discountshttp://www.wisebread.com/taxonomy/term/4405/all
en-US5 Things You Shouldn't Order on Amazonhttp://www.wisebread.com/5-things-you-shouldnt-order-on-amazon
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<p>When I'm in the market to purchase, well, anything, I usually first check Amazon to find the best price. Over the years, however, I've noticed that I can't just use the site as a one-stop shop for everything on my list. Some things are simply cheaper elsewhere. (I've even started using the <a href="http://www.savings.com/pricejump">PriceJump</a> tool from Savings.com to compare Amazon prices against those at other retailers.) Here are five items that usually <em>aren't </em>cheapest on Amazon. (See also: <a href="http://www.wisebread.com/10-things-you-should-never-buy-at-the-dollar-store-and-10-you-should?ref=seealso">10 Things You Should Never Buy at the Dollar Store</a>)</p>
<h2>1. Groceries</h2>
<p>Yes, you can order virtually anything on Amazon, including food. But examine those price tags first. I checked out a few staple items, like <a href="http://www.amazon.com/gp/product/B003ZWLCZC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B003ZWLCZC&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=DE2XY356OYUJQOTV">Skippy Natural Peanut Butter</a>, which costs over $8 per container on the site. One commenter noted he could buy three jars of the same stuff at his local store for this price. I agree. Then my eyes bugged out of my head at the sight of a $7.99 box of <a href="http://www.amazon.com/Kix-dinirao-Cereal-12-oz/dp/B000VDSRV0/ref=sr_1_3?ie=UTF8&amp;qid=1426444426&amp;sr=8-3&amp;keywords=kix+cereal">Kix Cereal</a> (12 ounces) that I recently purchased for under $3 in our breakfast aisle. Sure, it's convenient to get groceries delivered to your door step, but not at such a premium.</p>
<h2>2. Personal Care Items</h2>
<p>I was shocked when I went looking for my favorite container of <a href="http://www.amazon.com/gp/product/B000HK1ON0/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000HK1ON0&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=KIVLRR2TJ3T2FZKE">Dr. Bronner's Castile Soap</a> only to find it costs several dollars more online than it does at my grocery store, even with free shipping. Some further investigation uncovered that the <a href="http://www.amazon.com/gp/product/B004LI6CDQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004LI6CDQ&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=6L4KM5YFPDCLZG5I">Neutrogena mascara</a> I use costs $11 on Amazon compared to the $9 I spend at the corner drug store. And today as I write this article, there's a buy one, get one 50% off sale with my Rite-Aid Wellness Card. The same <a href="http://www.amazon.com/gp/product/B0016OCTLM/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0016OCTLM&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=EJZKNDCACZDCWSTH">henna dye</a> I use to color my hair is an insane $50 on Amazon, versus the $25.95 I pay on Lush.com. (One area where Amazon wins? Sun care! Most sunscreens I use &mdash; organic and conventional &mdash; are several dollars less on the site.)</p>
<h2>3. Cleaning Products</h2>
<p>I find much better prices on cleaning supplies at discount clubs and big box stores. For example, <a href="http://www.amazon.com/gp/product/B000LUTVYA/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000LUTVYA&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=I2XOO3OHXDXGWUKG">Pledge Furniture Polish</a> costs over $5 (with $7.41 shipping) on Amazon, versus the $3.93 at our Walmart store. A four-count box of <a href="http://www.amazon.com/gp/product/B001339ZMW/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001339ZMW&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=D2SUMBIXTEU5QBWF">Mr. Clean Magic Erasers</a> costs nearly $10 on Amazon, compared to just $3.47 at Walmart. The list goes on. Plus, you can save a ton on cleaning products by making your own at home, which is what we've done for all-purpose cleaner, <a href="http://www.wisebread.com/5-diy-laundry-detergent-recipes">laundry detergent</a>, dish soap, dishwashing detergent, and more. (See also: <a href="http://www.wisebread.com/how-to-clean-everything-with-just-3-all-natural-cleaners?ref=seealso">How to Clean Everything With Just 3 All-Natural Cleaners</a>)</p>
<h2>4. Fitness Gear</h2>
<p>I love my FitBit fitness tracker, but I snagged it at a low price with a coupon at Kohl's. On Amazon, this wristband is a competitive $88, but you can still save some cash by shopping elsewhere and taking advantage of sales or store incentives.</p>
<h2>5. Clothing and More</h2>
<p>When it comes to clothing, shoes, and other apparel, you'll need to go on a case-by-case basis and shop around. Online retailers, like 6pm.com, offer great deals on all the top designers and often have codes for extra savings. Using coupons and taking advantage of seasonal sales can yield better prices on everyday wear at your local store. Sometimes Amazon has some incredible deals, like 70% off this cute <a href="http://www.amazon.com/gp/product/B00FQK4LCC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00FQK4LCC&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=LEQBRYIKUHXJBKBD">Kenneth Cole Skylar dress</a> &mdash; just $30. Other times, not so much. This <a href="http://www.amazon.com/gp/product/B00SAUXDE2/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00SAUXDE2&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=4OMDJ3B4UCJKLIR5">Calvin Klein baseball jacket</a> is $168 on Amazon, and $130 <a href="http://www1.macys.com/shop/product/calvin-klein-baseball-jacket?ID=1991108&amp;pla_country=US&amp;CAGPSPN=pla&amp;CAWELAID=120156340001568481&amp;catargetid=120156340001636759&amp;cadevice=c&amp;cm_mmc=Google_Mens_PLA-_-Men%27s+Apparel+-+Men%27s+Outerwear+-+GS_Calvin+Klein-_-70559928185_-_-_mkwid_btDxCFUh%7Cdc_70559928185%7C-%7CbtDxCFUh">on sale at Macy's</a>.</p>
<p><em>This list isn't exhaustive by any means. We'd love to hear what items you've stopped buying on Amazon, or others that you won't buy anywhere else. Please leave your thoughts in the comments!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-things-you-shouldnt-order-on-amazon">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1">
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</div> </div><br/></br>ShoppingAmazonbargainsdiscountssalesMon, 30 Mar 2015 13:00:09 +0000Ashley Marcin1359516 at http://www.wisebread.com10 Outlet Shopping Hacks That Will Save You Bighttp://www.wisebread.com/10-outlet-shopping-hacks-that-will-save-you-big
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<p>If you're an avid deal hunter like me, there is no doubt that outlet shopping can be a great way to save money. But in order to maximize your savings, you'll need to try these 10 outlet shopping hacks.</p>
<h2>1. Know Your &quot;Outlet&quot; Store</h2>
<p>&quot;Outlet&quot; stores come in three flavors: factory stores, actual outlet stores, and conventional retail stores. Always ask an associate what type of store you are shopping in to quickly figure out the type of deals you might find.</p>
<h3>Factory Stores</h3>
<p>Factory stores are locations that sell merchandise made specifically for the factory store. While the deals to be had can be quite good, be aware that often the merchandise is of lesser quality. I actually had a manager at an Eddie Bauer factory outlet tell me that the stitching is not as good compared to their regular stores and items typically won't last as long. In addition to Eddie Bauer, other examples include Gap, Banana Republic, and Gymboree.</p>
<h3>Actual Outlet Stores</h3>
<p>Actual outlet stores are locations that sell merchandise originally stocked in regular retail stores. Often products are last season's overstocks or have a small blemish on them. You can typically score a much better deal at outlet stores compared to factory stores. It is important to always examine products carefully to ensure quality. Popular examples of real outlet stores include REI, Coldwater Creek, and Lands' End.</p>
<h3>Conventional Retail</h3>
<p>Conventional retail locations dressed up as outlet stores are also prevalent. In an attempt to take advantage of popular locations and high foot-traffic, some retailers willingly buy space at outlet malls. The deals at these stores often match the deals found in their conventional retail counterparts. Examples include Old Navy, Merrell, Famous Footwear, Sunglass Hut, and American Eagle Outfitters.</p>
<h2>2. Find Hidden Clearance Deals</h2>
<p>Just because you're shopping at an outlet mall doesn't mean stores are without a clearance department. Typically, you'll have to walk past all of the full-priced merchandise to find the clearance section hidden in the rear of the store. If you can't find your size or color, ask an associate for assistance &mdash; they often have clearance items in the back that haven't been put out on the sales floor yet or were recently returned.</p>
<h2>3. Practice Informed Couponing</h2>
<p>When it comes to outlet shopping, not all coupons are created equal. Typically, coupons are created specifically for outlet or factory stores and regular in-store coupons won't be accepted. Check the coupon fine print to avoid the disappointment of a printable coupon being turned away at the register. Always do a Google search for &quot;Store Name OUTLET coupon&quot; before you head out to the store to make sure you find an applicable coupon.</p>
<h2>4. Shop Holiday Weekends</h2>
<p>Outlet stores are notorious for offering amazing sales on holiday weekends like Memorial Day, Labor Day, Fourth of July, and Thanksgiving. You'll often find entire outlet stores marked down 40%-50% off original prices. The parking lot can be quite full on holiday weekends, so it's advantageous to get there when the stores open to avoid the crowd.</p>
<h2>5. Don't Buy Just Because You Made the Trip</h2>
<p>All too often, shoppers get caught up in the mystique of outlet malls and feel they need to buy just because they made the drive. Don't fall prey to this mindset. Instead, shop with a list and a budget and stick to it. If the deals simply aren't there, then leave the store knowing that they eventually will be, especially on big holiday weekends.</p>
<h2>6. Go Social and Save</h2>
<p>Did you know that the majority of outlet centers have their own Facebook pages? Do a quick search for the Facebook page of the outlet mall you plan visit and get exclusive sale and coupon information.</p>
<h2>7. Scope the Nike Outlet Hash Wall</h2>
<p>The Nike Outlet is a big favorite with many outlet regulars, and many contain a far back wall referred to as the &quot;hash wall.&quot; There, they typically stock shoes that are marked down for a quick sale. What you see is what you get, so if you are not particular on style or color, it's a great place to score a deal.</p>
<h2>8. Haggle the Price (When Appropriate)</h2>
<p>You can absolutely haggle the price at a traditional outlet location where items are likely to have a blemish or be reconditioned. Politely point out the imperfection, ask for an extra 15% off, and be prepared to settle for a 10% discount. The bigger the imperfection, the better chance of success; especially if you are making a substantial purchase. The same goes for damaged packaging as stores realize they will have a tough time selling items at the advertised price. Give it a try and you may be pleasantly surprised with the result.</p>
<h2>9. Shop for Next Season</h2>
<p>A great way to save on outlet shopping is to stock up on apparel, shoes, and outerwear for the following year; especially when shopping for growing kids. When you stumble across an amazing deal, simply buy a size or two up and store for next year.</p>
<h2>10. Be Aware of the Return Policy</h2>
<p>The return policies at outlet shopping locations can often be kind of screwy, so always ask before they slide your credit card. Sometimes items are final sale with no refund available. Sometimes you can only return items to an outlet location, which, depending on how far you drove, can be a real pain. Always be aware of the store's return policy and shop accordingly.</p>
<p><em>How do you take advantage of outlet malls to save money?</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/10-outlet-shopping-hacks-that-will-save-you-big">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2">
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</div> </div><br/></br>Shoppingdiscountsfactory outletoutlet mallsalesMon, 09 Mar 2015 15:00:08 +0000Kyle James1324637 at http://www.wisebread.comWhat to Buy (and Avoid Buying) in Decemberhttp://www.wisebread.com/what-to-buy-and-avoid-buying-in-december
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<p>I write this as another day of truly vulgar behavior is behind us. Yes, deals are great. I love them. But I did not go anywhere <a href="http://www.businessinsider.com/black-friday-crowds-2014-11">near the craziness today</a>, and with so many tools now available to us, we don't need to venture into the insane crowds to get bargains. Remember, Black Friday deals are not always what they appear to be, and you can often find better deals on Cyber Monday (without having to set foot in a store). So, with that said, let's look forward to the last shopping month of 2014.</p>
<h2>First, What to Buy&hellip;</h2>
<p>So, it's that time; the Christmas and holiday shopping lists are being made, and it's time to start digging out the best deals to keep everyone happy and your wallet in check. Here are the deals you should pounce on this month.</p>
<h3>Gift Cards</h3>
<p>If you're smart, you can grab yourself some free money by buying select gift cards that come with incentives. You can get $25 to $50 in free gift cards by spending $150 to $200 on them. If you were planning to shop at those stores anyway, you've just bagged free money. Even places like Chipotle will give you a free burrito for buying a certain amount in gift cards. If you eat their food often, you're golden.</p>
<h3>Thanksgiving Merchandise</h3>
<p>When Thanksgiving ends, the stores are desperate to dump their stock to fill the shelves with Christmas goodies. Make a space in your basement or attic for the killer deals you'll find on decorations, cards, cookware and much more. There are also going to be huge discounts on Thanksgiving themed food and drink. It's still fresh; it's just got a dated theme. Who cares?!</p>
<h3>Thrift Store Goodies</h3>
<p>If you aren't shopping in thrift stores, you're missing out on some unbelievable bargains. Most people are too busy with the upcoming holidays to bother listing unwanted items on eBay or Craigslist, so they drop them off at the local ARC or Goodwill. Not only will you find some items in like new condition, you'll also get incredible bargains on items you can resell on eBay for a massive profit. One great find could pay for your whole shopping list, if you know what you're looking for.</p>
<h3>Christmas Decorations and Goods</h3>
<p>Wait a second. Don't go rushing out for these now. You need to wait until after December 25th. But after that, go hog wild! The stores do not want all that merchandise clogging up their shelves. Expect to see 50% to 90% savings on everything from trees and lights to yard decorations, cards, and gift-wrap. Remember, Christmas will be here again next year, so buy now to save later.</p>
<h3>Champagne</h3>
<p>It's odd, putting champagne on the discount list when this is the peak month to buy it. But, liquor stores are smart. They know that by making champagne a loss leader, they'll make it back on the other booze you'll buy. However, you don't have to buy anything else &mdash; just grab the cheap champagne and celebrate in style.</p>
<h3>Cars</h3>
<p>As the year comes to a close, and the bad weather comes rushing in, car dealerships are clearing out inventory. They'll drop their prices to do it, and offer huge incentives. If you don't mind braving the weather on those cold, open lots, you could drive into 2014 with a great bargain. However, it's always better to buy used, even if it's just a year old. New cars depreciate quickly.</p>
<h3>Homes</h3>
<p>Just like car dealerships, sellers of homes have it tough at this time of year. Most just take their homes off the market to ride out the winter months. So if houses are on the market, the sellers are very motivated. Now is the time to do some home hunting, and dare to undercut asking prices by a chunk.</p>
<h3>Kitchen Supplies</h3>
<p>Manufacturers know this is the season for cooking impulse buys, and they'll do what they can to lure you in. A nicely timed discount will tip people from &quot;maybe next month&quot; to &quot;I'll take it.&quot; So with all the different holidays and events coming, you can stock up on new kitchen gadgets and save more than a few bucks. Also, consider wedding gifts, which may be coming up in the spring.</p>
<h3>Toys Go Cheap</h3>
<p>Deals on lots of toys pop up in December every year, even though they're in high demand. There is insane competition between all the different toys, and so manufacturers are cutting prices to grab your attention. It's good news for you and the kids, but there is a catch &mdash; you'll have to wait until Mid-December.</p>
<h3>Tool Prices Are Cut</h3>
<p>It's not a great time to be doing DIY, but it's a great time to stock up on the essentials everyone needs to get the jobs done. You'll see prices cut on all sorts of tools and equipment, from power drills (go for Lithium batteries) and bench saws to screwdrivers, wrench sets, and sanders.</p>
<h2>And, What to Avoid&hellip;</h2>
<p>With the exception of Cyber Monday, there are some deals that are too good to be true in December. With 2015 quickly approaching, you may see some good offers on older equipment, gadgets, and appliances. Make sure you're okay with dated products before you dive in. Here are other things to avoid this month.</p>
<h3>Gym Memberships</h3>
<p>I said it last year, and I'll say it again. Gym memberships and subscriptions hit a peak in the New Year, and they are starting to see those increase in December. A lot of people like to have the membership in place, so that they can get straight down to the hard work in the first week of January. It's going to be this way for a while, so just find another way to stay fit. Craigslist will have some killer deals thanks to new equipment for Christmas.</p>
<h3>Electronics</h3>
<p>Aside from Cyber Monday, the best deals for your electronic gadgets have come and gone. What's more, any deals you may find will be on the 2014 stock that retailers are trying to clear out before the 2015 goodies arrive in the New Year. Do yourself a favor, and wait it out.</p>
<h3>Jewelry</h3>
<p>People love giving jewelry at this time of year. And when people love doing something, retailers love charging them top dollar for it. So unless you really have to drop some of your cash on rings, necklaces, and other sparkling items, wait until next year for that pricey item.</p>
<h3>Calendars</h3>
<p>Unless you absolutely have to put a brand new calendar up on the stroke of midnight on New Year's Eve, you should steer clear of calendars. They are expensive right now. Full price, everywhere you look. But come a few weeks into 2015, the prices will start to fall like the rain in Seattle. You can expect to save at least 50%, and when February comes around, stores everywhere will be almost giving them away. Really, with the smartphones and tablets, does anyone really need them as reminders anymore?</p>
<h3>Winter Gear and Clothing</h3>
<p>It's cold out there. Snow shovels, big coats, hats, gloves, boots, and all the other winter gear is marked at full price for the next few months. If you really need them now, consider Craigslist or thrift stores to save some cash.</p>
<p>From everyone here at Wise Bread, have a wonderful holiday, and a prosperous 2015!</p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/what-to-buy-and-avoid-buying-in-december">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3">
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</div> </div><br/></br>Frugal LivingBuying Guidesbuying guidediscountsgiftsshoppingwhat to buyMon, 01 Dec 2014 22:44:21 +0000Paul Michael1098941 at http://www.wisebread.com12 Surprising Things You Didn't Know You Should Be Negotiatinghttp://www.wisebread.com/12-surprising-things-you-didnt-know-you-should-be-negotiating
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<p>Houses, salaries, cars&hellip; sure, we know about those big-ticket items that are supposed to be negotiated. But what about other things? Are you missing the boat and wasting money?</p>
<p>Not everyone likes negotiating. It can feel confrontational, or even rude. But if it's good enough for Dr. Phil, it's good enough for you. Before you do anything, check out this sage advice from the man himself.</p>
<p>&quot;Start with a pre-negotiation phase by claiming the right to negotiate. Negotiation really begins before you even engage the seller or the other partner,&quot; explains Dr. Phil. Step number one is making the decision that you have the right to negotiate and that you are worth standing up for yourself, getting the best price, and not being taken advantage of. Claim that right, and know that you're not doing something wrong if you do. (See also: <a href="http://www.wisebread.com/deal-killers-5-phrases-to-avoid-when-negotiating?ref=seealso">Deal Killers: 5 Phrases to Avoid When Negotiating</a>)</p>
<p>&quot;In this world, you get what you ask for,&quot; he reiterates. &quot;Don't be bashful. You're worth it.&quot;</p>
<p>Thus armed, it's time to start small. Below is a list of items and places you may have not known were ripe for negotiation.</p>
<h2>1. The Yard Sale</h2>
<p>The neighborhood yard sale is the perfect place to learn to negotiate. Everything is a &quot;suggested&quot; price. It doesn't matter if the seller &quot;paid xxx&quot; for it; that was then, and this is now, and they need to unload it.</p>
<p>Here is the magic yard sale phrase: &quot;Will you take xxx for it?&quot; <em>This works</em>.</p>
<p>I fretted over an overpriced, vintage set of Russel Wright dishes at a flea market on two separate trips. I badly wanted them. On our third visit, my husband finally convinced me to just try the magic phrase. After only after a moment's hesitation, the seller said, &quot;Okay.&quot; What a great feeling! You only need one victory to build up your self-confidence. You may find unmarked items at yard sales, because savvy sellers know that people love to <a href="http://www.bestgaragesaletips.com/best_garage_sale_selling_and_haggling_tips.htm">barter.</a></p>
<h2>2. Clothing</h2>
<p>My daughter needed a fancy dress for a wedding. After searching high and low, she found the perfect dress, although overpriced, at a major New York chain. One problem: There was a stain. Could a dry cleaner get it out? She wasn't sure, but she decided to try negotiating. Here was her phrase: &quot;I would like to buy this, but I am not sure if I can get this stain out.&quot;</p>
<p>After a bit of back-and-forth, the clerk said she would give her a 25% discount, but the dress could not be returned. It was a gamble, but the dry cleaner was able to make the spot nearly unnoticeable, and completely wearable. Lesson: It is worth asking.</p>
<p>Here is another example of a blogger who found <a href="http://effortlessanthropologie.blogspot.com/2014/08/yes-anthropologies-clearance-center.html">Anthropologie</a> brand items for less &mdash; she asked, she got. Do not expect to be able to return clothes, though. A 2012 study found that <a href="http://www.businessweek.com/articles/2013-09-26/return-fraud-clothing-and-electronics-retailers-fight-back">3.3% of returns were fraudulent</a>, so many stores have cracked down. Many <a href="http://www.dailyfinance.com/2010/04/02/what-happens-to-all-of-those-clothes-retailers-cant-sell/">retailers now re-sell</a> their damaged clothing, donate it, or even shred it. If the store is completely unwilling to negotiate, don't despair &mdash; try showing up on a markdown day for bargains.</p>
<h2>3. Appliances</h2>
<p>My friend Michele just scored a deal on a refrigerator, a very good brand that she wanted. Her tricks were that she went for the floor model and compromised on the color. She really wanted black, but the floor model was in stainless steel. By telling the salesman she really wanted black, and knowing they didn't have it, she had a little psychology involved &mdash; compromise. Also, being the floor model, it was covered in fingerprints and she knew it had been there for a while. She saved 30% by going with another finish, and of course it cleaned up beautifully and works like a charm. According to Consumer Reports, &quot;<a href="http://www.consumerreports.org/cro/magazine-archive/august-2009/appliances/where-to-buy-appliances/overview/buying-appliances-ov.htm">75 percent of those who did try to bargain succeeded</a>. Those respondents reported that they saved a median of $100 for major appliances and $50 for small appliances.&quot;</p>
<h2>4. Professional Services</h2>
<p>Did your father use this phrase &quot;Cash on the barrelhead&quot;? Legal, accounting, and even medical bills can be reduced in some cases, if you offer to pay cash. This excellent piece from Consumer Reports reminds us &quot;<a href="http://consumerreports.org/cro/magazine/2013/08/how-to-bargain/index.htm">Not to be intimidated</a> by a title.&quot; According to Entrepreneur.com, &quot;<a href="http://www.entrepreneur.com/article/217784">Most accounting firms charge by the hour</a> with fees ranging from $100 to $275. However, others work on a monthly retainer. Get a range of quotes from different accountants. Also try to get an estimate of the total annual charges based on the services you have discussed.&quot;</p>
<h2>5. Food</h2>
<p>I have seen this negotiation done twice at my local supermarket. Both people were regular customers, which I suspect made a difference. One woman needed a lot of diced tomatoes &mdash; three cases &mdash; so just asked the clerk if she could have a case discount (even though it wasn't &quot;case discount month&quot;). The clerk conferred with the manager, and sure enough, she got a discount. The second customer was buying an odd cut of meat, and wanted a large quantity of it. Knowing not a lot of folks wanted that cut, he asked the butcher for a discount, stating, &quot;Well, it's not like it's a big seller.&quot; Sure enough, after a little back-and-forth, he paid what he wanted.</p>
<p>It never hurts to ask.</p>
<h2>6. High-End Jewelry</h2>
<p>Make sure you do your research before walking into a jewelry store. Educate yourself about cut, clarity, and look at discount stores like Costco, as well as Ebay first. Be prepared to make an offer, saying something like, &quot;Well, I have a budget of xxx.&quot; Don't be taken in by a fancy store. Chain stores are reportedly poor about negotiating. Focus on the quality of the stones, not the store name. Some of them capitalize on people's emotions, and the excitement of getting engaged.</p>
<h2>7. Salaries</h2>
<p>When do you have room to negotiate? When you have a skill they need. How can you tell? If the job has been posted for a long time, odds are it's considered a &quot;hard to fill&quot; position, requiring a special skill set. Check both the posting date and the vacancy announcement. It's also fine to call the recruiter, noting that you have been seeing that posting for a while. He or she may explain more than the boilerplate job description tells. If that job appears to be stagnant, you have wiggle room &mdash; either in the annual salary, or perks like relocation fees, shortage pay, temporary housing, flex time, telecommuting, or even your child's school tuition. Do your research. Read up on the organization's mission, vision, and values; be prepared to illustrate how well you'd fit.</p>
<h2>8. Gym Memberships</h2>
<p>Frankly, if your gym won't negotiate, they are nuts. I don't think there is a gym in my town that doesn't give a &quot;special discount&quot; for one reason or another. Don't ask in January, when resolutions are fresh &mdash; try in the summer, when people are more likely to be outside, and gyms are quieter.</p>
<h2>9. Tires</h2>
<p>One of our cars needed a certain type of tires, which were expensive locally, but my husband found them online for much less. However, he still had to find a shop willing to install them. When he did, he had them drop-shipped and installed. This can be a hassle, though. Some local shops will meet or beat the online price &mdash; you just have to be willing to ask.</p>
<h2>10. Closing Costs on Your Mortgage</h2>
<p>It's frightening enough, buying a house, but when your mortgage lender presents you with a list of closing costs, it gets worse. The good news is that some of these may be negotiable. Don't try to avoid recording fees, city or county stamps, or taxes; those are set. But feel free to ask about underwriting fees, or processing fees, which can be reduced. A mortgage &quot;application fee&quot; may also be waived, and at an average of $343, it's worth negotiating. It's tedious, but you should be able to look at that (long) list and understand what you are <a href="http://realestate.aol.com/blog/2012/09/26/how-to-avoid-junk-mortgage-fees/">paying for</a>. Zillow advises that &quot;<a href="http://www.zillow.com/mortgage-rates/buying-a-home/closing-costs/">buyers can negotiate with the seller</a> over who pays these closing costs. Sometimes the seller will agree to assume the buyer's closing costs.&quot;</p>
<h2>11. Rent</h2>
<p>You'll have more luck negotiating rent if you live in a house. Why? You may be able to take some of the work off of the landlord's plate. Offer to do the yard work, or some of the routine maintenance, yourself. We kept our first rental house's cost low by mowing the lawn, weeding, painting, and getting the carpets cleaned,ourselves. Landlords also love tenants who are stable, so when negotiating lower rent, mention your plans to stay for a while. This will save the landlord the hassle of cleaning, repainting, advertising, and negotiating with a new tenant.</p>
<h2>12. Furniture</h2>
<p>We have gotten so used to furniture shopping at big chain stores that we forget about smaller, more specialized furniture stores, and that can be a mistake. Why? A locally owned store may have wiggle room, or will accept a cash discount, whereas a big chain store won't. You might even be able to get free delivery, which is certainly more fun than what you'll have to do at a chain (haul it, yourself).</p>
<p>According to the Seattle Times, &quot;61 percent of consumers have <a href="http://seattletimes.com/html/living/2004437999_frugalduchess24.html">bargained for furniture</a>, cellphones and other services at least once in the last three years. And of those who tried to cut a deal for home furnishings, 94 percent were successful in getting better bargains, saving an average of $300.&quot; As an added bonus, you will probably find more unique pieces, rather than the same mass-produced items that everyone else has.</p>
<p><em>What items have you successfully negotiated? Please share in comments!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/12-surprising-things-you-didnt-know-you-should-be-negotiating">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4">
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</div> </div><br/></br>ShoppingdealsdiscountshagglenegotiatingnegotiationsTue, 11 Nov 2014 18:00:08 +0000Marla Walters1253611 at http://www.wisebread.com11 Ways Your Credit Card Will Save You Money While Holiday Shoppinghttp://www.wisebread.com/11-ways-your-credit-card-will-save-you-money-while-holiday-shopping
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<p>Take a stroll through any big box retailer and you'll find that part of the store has already been transformed into a winter wonderland. Elaborate displays house inflatable lawn decorations, tree ornaments, and holiday cards. Though you might not be ready to write your gift list just yet, you should know these 11 ways your credit card will save you money once holiday shopping gets into full swing. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-the-holidays?ref=seealso">Top Credit Cards for the Holidays</a>)</p>
<h2>1. Extended Warranty</h2>
<p>Many retailers will attempt to sell you extended warranties with your purchases, particularly for electronics. These plans tend to be very expensive and have numerous limitations. Some credit cards offer a free one-year extension of the manufacturer's warranty just by placing the entire purchase on the card. Check your credit card benefits to see which ones have this perk. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about">11 Awesome Credit Card Perks You Didn't Know About</a>)</p>
<p><strong>Credit Cards With Extended Warranty</strong>:</p>
<ul>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=23007525&amp;fot=1155&amp;foc=1" target="_blank">Amex EveryDay<sup>SM</sup> Credit Card</a></li>
<li><a href="http://www.kqzyfj.com/click-2822544-12003694?sid=avampato-1250590" target="_top">Citi&reg; Double Cash Card</a><img width="1" height="1" border="0" alt="" src="http://www.awltovhc.com/image-2822544-12003694" /></li>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" target="_blank">Discover it&reg;</a></li>
</ul>
<h2>2. Price Protection</h2>
<p>Nothing will deflate your shopping spirit like buying a gift for someone and then finding the exact same item at another retailer for less money. While you can do a good deal of price checking before you make the purchase, sales that you can't foresee crop up throughout the holidays. Some credit cards offer price protection where you may be refunded the price difference if something you purchased goes down in price within a specific period of time.</p>
<p><strong>Credit Cards With Price Protection</strong>:</p>
<ul>
<li><a href="http://www.kqzyfj.com/click-2822544-12003694?sid=avampato-1250590" target="_top">Citi&reg; Double Cash Card</a><img width="1" height="1" border="0" alt="" src="http://www.awltovhc.com/image-2822544-12003694" /></li>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" target="_blank">Discover it&reg;</a></li>
</ul>
<h2>3. Return Protection</h2>
<p>How many times have you bought a gift only to find out that the recipient already has it or it's the wrong size or color? Most retailers have an expiration date on the length of time that they accept returns or exchanges. Sometimes, retailers don't accept returns or allow exchanges at all.</p>
<p>Luckily, many credit cards offer 60-90 days of return protection. If you bring the item back to the retailer and the retailer doesn't accept the return, your credit card company may give you a refund for the purchase if you placed the entire purchase on your card. Again, it's important to check limitations and exceptions to this policy.</p>
<p><strong>Credit Cards With Return Protection</strong>:</p>
<ul>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=23007525&amp;fot=1155&amp;foc=1" target="_blank">Amex EveryDay<sup>SM</sup> Credit Card</a></li>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" target="_blank">Discover it&reg;</a></li>
</ul>
<h2>4. Purchase Protection</h2>
<p>Unfortunately, product damage and theft are rampant during the holiday shopping season. Increasingly credit cards offer purchase protection though they don't always advertise this benefit. Cards that offer purchase protection typically protect items from theft or damage for 90 days from the date of purchase.</p>
<p><strong>Credit Cards With Purchase Protection</strong>:</p>
<ul>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=23007525&amp;fot=1155&amp;foc=1" target="_blank">Amex EveryDay<sup>SM</sup> Credit Card</a></li>
<li><a href="http://www.kqzyfj.com/click-2822544-12003694?sid=avampato-1250590" target="_top">Citi&reg; Double Cash Card</a><img width="1" height="1" border="0" alt="" src="http://www.awltovhc.com/image-2822544-12003694" /></li>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" rel="nofollow">Discover it&reg;</a></li>
</ul>
<h2>5. Cash Back</h2>
<p>Check to see if you have a <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">cash back credit card</a> that offers cash rewards for your purchases. Using the right card can help you rack up savings when it's time to pay the bill. Usually cash back rewards come in the form of a statement balance. If you hit their minimum threshold, you can apply the cash rewards to your balance and get a nice discount after you've already bought your gifts.</p>
<p><strong>Credit Cards With Cash Back</strong>:</p>
<ul>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" rel="nofollow">Discover it&reg;</a></li>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3050771&amp;fot=1155&amp;foc=1" target="_blank">Blue Cash Everyday&reg; Card from American Express</a></li>
<li><a target="_top" href="http://www.kqzyfj.com/click-2822544-12003694?sid=avampato-1250590">Citi&reg; Double Cash Card</a><img width="1" height="1" border="0" src="http://www.awltovhc.com/image-2822544-12003694" alt="" /></li>
</ul>
<h2>6. 0% APR Promotional Offer</h2>
<p>As a general rule, I only charge expenses that I know I can pay off in full every month. Interest rates on credit card balances are often 15% or higher. If there's no way for you to avoid carrying a card balance this holiday, look for special sign up offers that provide a <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=inarticle">0% balance transfer</a> rates and/or 0% interest charge on purchases for new members.</p>
<p><strong>Credit Cards With 0% APR Promotional Offer</strong>:</p>
<ul>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" rel="nofollow">Discover it&reg;</a></li>
<li><a href="http://www.anrdoezrs.net/click-2822544-11413713?sid=avampato-1250590" target="_top">Citi Simplicity&reg; MasterCard</a><img width="1" height="1" border="0" alt="" src="http://www.ftjcfx.com/image-2822544-11413713" /></li>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=23007525&amp;fot=1155&amp;foc=1" rel="nofollow">Amex EveryDay<sup>SM</sup> Credit Card</a></li>
</ul>
<h2>7. Shopping Portals</h2>
<p>Many credit cards have retail partners who offer discounts if cardmembers shop through their particular shopping portal. Check to see what discounts your credit card issuer may offer if you use their shopping portal. The shopping experience is the same. You just go through one extra step (go to the shopping portal to click on the store link instead of going to the store page directly).</p>
<p><strong>Credit Cards With Shopping Portals</strong>:</p>
<ul>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" rel="nofollow">Discover it&reg;</a></li>
<li>Chase Freedom&reg; Card</li>
</ul>
<h2>8. Hotel Discounts and Upgrades</h2>
<p>Before you book a hotel for your holiday vacation, check your card benefits to see if you can get special discounts and/or upgrades at various hotel chains. You can also check out some of the hotel co-branded credit cards if you're partial to a particular chain. The sign up offer alone may get you some free nights. Then you can use the card the rest of the year and cash in for every holiday vacation. (See also: <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=seealso">The Best Credit Cards for Hotel Deals and Rewards</a>)</p>
<p><strong>Credit Cards With Hotel Benefits</strong>:</p>
<ul>
<li><a rel="nofollow" href="http://track.linkoffers.net/a.aspx?foid=3050761&amp;fot=1155&amp;foc=1" target="_blank">Starwood Preferred Guest&reg; Credit Card From American Express</a></li>
<li><a href="http://www.kqzyfj.com/click-2822544-12009442?sid=avampato-1250590" target="_top">Citi&reg; Hilton HHonors&trade; Visa Signature&reg; Card</a><img width="1" height="1" border="0" alt="" src="http://www.tqlkg.com/image-2822544-12009442" /></li>
<li>Barclaycard Wyndham Rewards&reg; Visa Signature</li>
</ul>
<h2>9. Airfare Deals</h2>
<p>Do you have a <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel rewards credit card</a>? Now's the time to check how many miles you've collected and how to maximize your travel rewards. The best credit cards offer 1:1 transfer points to partner loyalty programs. Others offer discounts by purchasing or redeeming travel through their travel portal site.</p>
<p>If you don't already have one, consider signing up for a card with a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards">big sign up bonus</a>. Some even offer free or deeply <a href="http://www.wisebread.com/the-5-best-credit-cards-with-airline-companion-tickets-and-3-bad-ones">discounted companion fares</a>. If you have a favorite airline, you can see if they have a co-branded credit card. Otherwise, there are plenty of great travel rewards credit cards that offer many different options for redeeming flights.</p>
<p><strong>Credit Cards With Airfare Deals</strong>:</p>
<ul>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3050774&amp;fot=1155&amp;foc=1" rel="nofollow">American Express&reg; Premier Rewards Gold Card</a><br />
<!--<li>Barclaycard Arrival Plus World Elite Mastercard&reg;</li>--><!--<li>Barclaycard Arrival Plus World Elite Mastercard&reg;</li>--></li>
<li>Chase Sapphire Preferred</li>
</ul>
<h2>10. Gift Cards for Reward Points</h2>
<p>If your card has a reward points system, it probably offers you a variety of ways to use those points. Purchasing gift cards is one of the highest value ways to use your points. For example, you may be able to purchase a $100 gift card with only $90 worth of reward points. Credit card companies usually make special arrangements with retailers to purchase a retailer's gift cards for a discounted price. Through its rewards programs, credit card companies pass this discount on to their customers. If you plan to buy gift cards for gifts, check your credit card rewards program options to see what they have on offer.</p>
<p><strong>Credit Cards With Gift Cards for Reward Points</strong>:</p>
<ul>
<li><a href="http://www.tkqlhce.com/click-2822544-11997141?sid=avampato-1250590" target="_top">Citi ThankYou&reg; Preferred Card</a><img width="1" height="1" border="0" alt="" src="http://www.tqlkg.com/image-2822544-11997141" /></li>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=23007525&amp;fot=1155&amp;foc=1" rel="nofollow">Amex EveryDay<sup>SM</sup> Credit Card</a></li>
<li>Chase Freedom&reg; Card</li>
</ul>
<h2>11. Special Deals and Discounts</h2>
<p>Different credit cards offer different discounts and extra rewards for shopping. Some credit cards might offer extra reward points for shopping at department stores. Others might offer their card members a straight discount at certain stores. Check your credit card website or call the number on the back of your card for details on special offers, seasonal or otherwise. (See also: <a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=seealso">Store Credit Cards That Don't Suck</a>)</p>
<p><strong>Credit Cards With Special Deals and Discounts</strong>:</p>
<ul>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=3577212&amp;fot=1155&amp;foc=1" rel="nofollow">Blue Cash Preferred&reg; Card From American Express</a></li>
<li><a target="_blank" href="http://track.linkoffers.net/a.aspx?foid=18819056&amp;fot=1155&amp;foc=1" rel="nofollow">Discover it&reg;</a></li>
<li><a target="_top" href="http://www.kqzyfj.com/click-2822544-12003694?sid=avampato-1250590">Citi&reg; Double Cash Card</a><img width="1" height="1" border="0" src="http://www.awltovhc.com/image-2822544-12003694" alt="" /></li>
</ul>
<p>Benefits often change without notice and can have limitations and exceptions. Don't assume that your card does or does not offer any of these benefits. Check online and call the number on the back of your card to get the scoop so that you fully understand the exact benefits and how to use them. Happy holiday shopping!</p>
<p><em>Have you taken advantage of these or other credit card perks? Please share in comments!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/11-ways-your-credit-card-will-save-you-money-while-holiday-shopping">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5">
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</div>
</li>
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<span class="field-content"><a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about">13 Awesome Credit Card Perks You Didn&#039;t Know About</a></span>
</div>
</li>
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<span class="field-content"><a href="http://www.wisebread.com/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</a></span>
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</div> </div><br/></br>Credit CardsShoppingcredit card discountscredit card perkscredit cardsdiscountsrewardsshoppingTue, 04 Nov 2014 09:00:12 +0000Christa Avampato1250590 at http://www.wisebread.comWhat to Buy (and Avoid Buying) in Octoberhttp://www.wisebread.com/what-to-buy-and-avoid-buying-in-october
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<p>Boo! Yes, it's that time of year again (as I get older, and my kiddos do too, I feel it creeping up on me more quickly every year). Halloween is here. That means Thanksgiving, Christmas, New Year, Hanukkah, Kwanza, and Diwali, are all approaching. With them come things to buy. However, these tips should help you save your hard-earned cash and stretch it a little further in the last stretch of 2014 and on into 2015.</p>
<h2>First, What to Buy</h2>
<p>October 16th is Boss's Day; if you have a boss, and want to stay in their good graces before holiday bonuses get handed out, you may want to consider getting him or her a little treat. Of course, the biggest time for treats, and tricks, is October 31st. Are you ready for it? Well, here are some deals to help you keep more of your money in your pockets before the big day.</p>
<h3>Lawn Care &amp; Equipment</h3>
<p>Many of us are looking around for deals on winterization. That means it's time to shut down the gardening regime for the winter, and retail stores know it. Target, Walmart, Walgreens, Sears and other major chains will be doing their best to clear out what's left of the summer lawn care stock. If you can find them, you'll also find killer deals on everything from hoses and rakes to fertilizer and <a href="http://www.amazon.com/gp/product/B004H89KFC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B004H89KFC&amp;linkCode=as2&amp;tag=whattobuy03-20&amp;linkId=OKGCJNVCSRU32MLI">insect repellent</a>.</p>
<h3>Cruises and Vacations</h3>
<p>If you're looking to save some money on a getaway, you can't beat cruise prices right now. I've seen deals for four nights in the Bahamas for two, with kids, for under $300. You can even get them under $200 if you're going as a couple. Check them out but make sure you include the price of airfare to and from the departure city. That often trips people up. It's also off-season for traditional vacations, and that means great deals on packages including hotel and flight.</p>
<h3>Halloween Deals (Be Careful)</h3>
<p>Yes, there are Halloween deals coming. November 1st is when the first big sales will hit, and by November 15th the stores are almost giving them away. But that's no use to you if you want a deal for this year's Halloween. So, consider buying just a week or two before the big night. Look for deals at online stores, eBay, and consider costumes that may not be as popular next year (for instance, is anyone going to be talking about Frozen with the same vigor? Well, maybe not).</p>
<h3>Cars</h3>
<p>Now, it has to be said that buying a new car is not good financial sense. The second you drive it off the lot it loses a significant amount of value. A car that's just a year or two old is a much better deal, and will have low mileage and a lot of the warranty left on it. However, if you must have a new car, this is the month to go shopping. September is when new models are released, so the dealerships don't want old stock littering the tarmac. Find the True Car Value, haggle like crazy, and never be afraid to walk away. You'll get a major deal.</p>
<h3>Denim and Jeans</h3>
<p>It was the same story last year; for some bizarre reason, there's a glut of <a href="http://www.amazon.com/Sale-Clothing/b/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=13851881&amp;tag=whattobuy03-20&amp;linkId=U7TA4GPPPU6PRUER">denim and jeans</a> on the store shelves right now. Yes, you can blame some of the bargains on back-to-school, but whatever the reason, take advantage of it. Children and adults alike can snag great deals on brand name denim clothing, and even bigger deals on store brand from Target and Walmart.</p>
<h3>Grills</h3>
<p>Just like lawn care, the grilling season is behind us. That means great deals for outdoor chefs, and the weather is still mild enough to get a few more weeks (or months) of use out of a brand <a href="http://www.amazon.com/Grills-Fryers-Outdoor-Cooking-Living/b/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=553760&amp;pf_rd_i=2972638011&amp;pf_rd_m=ATVPDKIKX0DER&amp;pf_rd_p=1568795042&amp;pf_rd_r=19E5K0T53YNTEJ8339CW&amp;pf_rd_s=merchandised-search-leftnav&amp;pf_rd_t=101&amp;tag=whattobuy03-20&amp;linkId=D4YG254BJHTUCV5W">new grill</a>. Of course, if you're a brave chef you'll be out there in the snow and ice cooking up steaks and corn like a pro.</p>
<h3>Patio Furniture and Camping Gear</h3>
<p>Another no-brainer, but it has to be said. Patio furniture and camping gear is not on anyone's shopping list right now. Do you want to sit outside in the rain and snow? So, stores are trying to shift it quickly. Sure, you may have to wait several months to take full advantage of new <a href="http://www.amazon.com/s/?_encoding=UTF8&amp;bbn=3274550011&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;qid=1380570938&amp;rh=n%3A2972638011%2Cn%3A!3274549011%2Cn%3A3274550011%2Cn%3A553824&amp;rnid=3238155011&amp;tag=whattobuy03-20&amp;linkId=2CC67NXHFELP7IB3">patio furniture</a> and tents, but who cares when the prices are this low?</p>
<h3>Air Conditioning</h3>
<p>When it's cold outside, it's not necessary to make it cold inside. Most people are not concerned with getting a <a href="http://www.amazon.com/gp/product/B003F4TH6G/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B003F4TH6G&amp;linkCode=as2&amp;tag=whattobuy03-20&amp;linkId=4IU2OS4T45V7QSXS">new air conditioner</a>, or upgrading, which is why the month is a great time to start looking. Places like Sears will give you some great deals, and many private A/C firms will do deals on installation. Many will even throw in a free furnace, and that 's smart thinking with winter coming.</p>
<h3>iPads</h3>
<p>Just before Halloween, Apple will launch yet another new version of its iPad. If you want to get a deal on an iPad, expect the price of the current model to drop when this happens. You won't see any significant drop from Apple around Black Friday anyway, so grab a deal when you can.</p>
<h2>And, What to Avoid</h2>
<p>There's more to watch out for in Halloween than ghosts and goblins. Here are a few items you should strike from your list unless you absolutely have to have them.</p>
<h3>Winter Clothing and Shoes</h3>
<p>It makes sense, but so many people seem to rush out and grab the first items they see. The stores are not going to run out, but they are not going to discount anything significantly right now. Most of us are thinking about buying long sleeved shirts, <a href="http://www.amazon.com/b/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=1044646&amp;pf_rd_i=1036592&amp;pf_rd_m=ATVPDKIKX0DER&amp;pf_rd_p=1626943442&amp;pf_rd_r=1P5NACC29Q49XQM3Y2W4&amp;pf_rd_s=merchandised-search-2&amp;pf_rd_t=101&amp;tag=whattobuy03-20&amp;linkId=EPC5GTLINJ3SYXKJ">jackets</a>, <a href="http://www.amazon.com/b/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=5609963011&amp;pf_rd_i=672123011&amp;pf_rd_m=ATVPDKIKX0DER&amp;pf_rd_p=1624163582&amp;pf_rd_r=11JQW4ZGM0CD62NV5K0S&amp;pf_rd_s=merchandised-search-6&amp;pf_rd_t=101&amp;tag=whattobuy03-20&amp;linkId=MLSLN5J2ZDQX6KZK">boots</a>, and even umbrellas. That means demand is high. So, unless you spy a genuine bargain, avoid shopping for these items and try the second hand market instead.</p>
<h3>Appliances</h3>
<p>Following Halloween comes the biggest shopping day of the year &mdash; Black Friday. Appliances will be discounted BIG TIME this year, so wait a month or so. If you need something like a washer or dryer, consider using a Laundromat or asking a friend or relative to help. Of course, if your fridge or freezer is out, waiting will be tough. Just know, the biggest discounts are coming.</p>
<h3>HDTVs</h3>
<p>Again, Black Friday will serve up the biggest deals of the year for large screen TVs. No one really needs one of these, so bide your time and wait. Expect to see 55&quot; TVs for as low as $350 (it pains me to write this&hellip; I bought a 48&quot; TV for $399 and thought that was a great deal). You will always pay more for the big brand names though, so don't expect to get a high-end TV for that rock-bottom price.</p>
<h3>Tools</h3>
<p>Black Friday is a good time for <a href="http://www.amazon.com/Deals-Tools-Hardware/b/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;node=760330&amp;pf_rd_i=328182011&amp;pf_rd_m=ATVPDKIKX0DER&amp;pf_rd_p=1604362562&amp;pf_rd_r=13YSY19PP8VVVH22VSJG&amp;pf_rd_s=merchandised-search-leftnav&amp;pf_rd_t=101&amp;tag=whattobuy03-20&amp;linkId=BKNFGHM2T3R2PBPX">tools</a>. If you can wait until then you'll save yourself a pretty penny. Of course, if you need something now, avoid the major retailers and try discount stores like Harbor Freight Tools. They have great deals all year round.</p>
<h3>Gift Wrap</h3>
<p>Just hit up a dollar store for this. The major holidays are coming, and retail stores will push expensive <a href="http://www.amazon.com/s/?_encoding=UTF8&amp;bbn=723463011&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;qid=1380572495&amp;rh=n%3A1064954%2Cn%3A!1084128%2Cn%3A1069242%2Cn%3A1069664%2Cn%3A1069666%2Cn%3A723463011%2Cp_n_feature_four_browse-bin%3A6052768011&amp;rnid=6052761011&amp;tag=whattobuy03-20&amp;linkId=NHNRCCPT2ZMC35GC">cards</a>, <a href="http://www.amazon.com/s/?_encoding=UTF8&amp;bbn=723452011&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;qid=1380572771&amp;rh=n%3A3760901%2Cn%3A!3760931%2Cn%3A723418011%2Cn%3A723452011&amp;tag=whattobuy03-20&amp;linkId=OOHS3B2ON7BWU3JN">gift wrap, tissue paper, and boxes</a>. The best bet for saving money is to avoid retail stores and visit the dollar stores instead. They do paper and boxes that are every bit as good and will not break the bank. After all, it all goes in the trash.</p>
<p><em>What are you planning to save on this month? Please share in comments!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/what-to-buy-and-avoid-buying-in-october">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6">
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<span class="field-content"><a href="http://www.wisebread.com/5-things-you-shouldnt-order-on-amazon">5 Things You Shouldn&#039;t Order on Amazon</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-never-buy-at-the-dollar-store-and-10-you-should">10 Things You Should Never Buy at the Dollar Store (and 10 You Should)</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/15-things-you-should-buy-at-costco">15 Things You Should Buy at Costco</a></span>
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</div> </div><br/></br>Shoppingbargainsbuying guidediscountswhat to buyWed, 01 Oct 2014 22:25:19 +0000Paul Michael993571 at http://www.wisebread.com10 Little Words That Will Get You the Best Price, Every Timehttp://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time
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<p>As a bargain hunter and writer, I find the power of words to be nothing short of amazing. The difference between getting a deal and walking away with the same price everyone else does is often just a word or two. (See also: <a href="http://www.wisebread.com/the-7-laws-of-negotiation?ref=seealso">The 7 Laws of Negotiation</a>)</p>
<p>There are plenty of words and phrases you should have in your shopping lexicon, but there are 10 you should never leave home (or shop online) without.</p>
<h2>1. &quot;Please&quot;</h2>
<p>Remember the old phrase your parents and teachers used to say? &quot;What's the magic word?&quot; Well, when it comes to getting discounts and bargains, please is genuinely magic. The Internet and texting age has all but killed a lot of pleasantries. Even please has been reduced to PLS in a message. So when you make sure you say &quot;please&quot; with every request you make, be it in person, on the phone, or if necessary, via email, you are showing deference to the person you're dealing with. This will go in your favor, and will result in a much easier negotiation process when you want to get a deal.</p>
<h2>2. &quot;Thanks&quot;</h2>
<p>When talking to a sales associate in a store, be sure to say thanks for everything they do. If they have to get up on a ladder to reach on item you'd like, go out of your way to thank them. If they need to look something up on the store's inventory system, thank them for their time. Say it with enthusiasm and authenticity; a dry &quot;staring-into-space&quot; thanks will have the opposite result. But, if you do this throughout the transaction, you are laying the foundation for a discount when the time comes to ask for one. (See also: <a href="http://www.wisebread.com/25-ways-to-say-thanks?ref=seealso">25 Ways to Say Thanks</a>)</p>
<h2>3. &quot;No&quot;</h2>
<p>This tiny word is incredibly powerful in the price negotiation process. In particular, it can be Kryptonite to salespeople at car dealerships. Put yourself in their shoes for a second. You work on commission, you've just spent two hours giving test-drives and fine advice to someone who is ready to buy. You sit down at the negotiation desk, and start to hash out a plan that will sell the car and make some money. And then, when you think you have the fish completely reeled in, it starts getting away. &quot;NO&quot; is a horrible word to hear after a long time in the sales trenches. The only way to respond is to either let the customer walk away (and watch two hours of your time go up in smoke), or invite them back to the table for further discussion. I have used this on every major purchase I've made, including every single car I bought. Only once did the salesperson let me walk away; when I got home, there was a message waiting for me on my answering machine asking me to consider a better deal.</p>
<h2>4. &quot;Free&quot;</h2>
<p>When you're buying something worth more than a few bucks, there is never any harm in asking for something for free. A friend of mine in college, Duncan, did this whenever he purchased anything, and he had a very high success rate (it didn't hurt that he was very charming fella indeed). &quot;No matter what you buy, ask them to throw something in for free, even if it's only worth pennies to them,&quot; he'd say. If he bought a tape deck, he'd ask for a free pack of blank tapes. If he bought a case of beer, he'd ask for a miniature bottle of scotch. The day he bought a used car, he asked for free tinting. Even if they said no to his request, they would often give him something, even if it were just a can of soda or a chapstick. Free is free. It never hurts to ask.</p>
<h2>5. &quot;Maybe&quot;</h2>
<p>Back in the day, when I was nipping at my dad's heels, I would ask for something and be given the answer &quot;maybe.&quot; It was so irritatingly non-committal that it left me knowing as much as I did before I asked the question. And it's just as powerful a word to use when negotiating for a better deal on something. When the salesperson asks if you'll take it, &quot;maybe&quot; is a fantastic way to reply. The natural response from your adversary will be something like &quot;why are you hesitant?&quot; and this leaves the door wide open for you to hammer home some points about price, reliability, and a warranty.</p>
<h2>6. &quot;Manager&quot;</h2>
<p>Whether you're dealing with someone on the phone (we all know how that can be), or you're in a physical store, asking to talk to the manager is a great ace to have up your sleeve. Most of the time, the person you're dealing with ether does not have the authority to offer a deal, or simply doesn't want to. The manager, on the other hand, has the keys to the deal safe. They can usually override the system and get you the discounts that regular hourly employees cannot give you. By asking to speak to the manager, you can often get the person you're dealing with to step up his or her game and get you a better deal themselves. You may sound a bit pushy, but be polite at all times and it will pay off.</p>
<h2>7. &quot;Cash&quot;</h2>
<p>If you pay in cold, hard cash you can usually get an instant discount. By simply stating &quot;I will pay you the full amount, right now, in cash if you drop the price by 10%,&quot; you can get a very quick deal. It will usually only work on high-ticket items &mdash; no one cares if you pay cash for your $5 latte. But if you're looking at cars, motorcycles, smaller pieces of real estate, high-end clothing, or expensive audio visual equipment, the magic word &quot;cash&quot; can work wonders for you.</p>
<h2>8. &quot;Competitor&quot;</h2>
<p>Perhaps this isn't the specific word, but the idea is there. When you're shopping around, it pays to let people know that you are looking. Better still, drop the other store's name, particularly when shopping for the big ticket items. &quot;I was over at your competitor's store, AAA Supplies, and they offered my a 5% discount. Can you beat it?&quot; There are two psychological tricks at play here. First, no one likes losing business to a competitor. And second, by asking to beat someone else's price, you're offering up a challenge. There's a sense of accomplishment achieved by meeting your offer.</p>
<h2>9. &quot;Now&quot;</h2>
<p>I personally love the word &quot;now&quot; when it comes to discounts. I use it all the time, from eBay shopping to deals in local stores. The immediacy of the word puts people into action, and they will often drop their price knowing you are ready to do the deal right now. On Craigslist, you can say &quot;I'll pick it up right NOW if you lower the price by $10.&quot; Boom, they want it gone quickly and will be happy to oblige. In a store, say &quot;what's on offer right NOW that you can show me?&quot; It puts the power of negotiation in your hands, and if they come back with &quot;no&quot; or &quot;nothing,&quot; you can easily renegotiate or just walk away. You can also say &quot;I want to cancel right now&quot; to watch the offers come flooding in from service companies like phone, cable, and Internet.</p>
<h2>10. &quot;Offer&quot;</h2>
<p>Finally, there's a word you can use that, if positioned correctly, can get you a deal almost every time. That word is &quot;offer.&quot; On its own, nothing special. But combine it with a phrase like &quot;what's the best offer you can give me on this?&quot; or &quot;make me a serious offer and I'll buy it right now&quot; and you're putting the ball in their court. They will very rarely come back with &quot;I can't&quot; or &quot;no.&quot; It's usually something to counter your question, perhaps with &quot;well how much do you have to spend?&quot; or &quot;what are you looking to pay?&quot; Either way, they have just opened the door to a negotiation. Walk through it, and get your deal. This works on something as big as a house, or as small as a bag of onions at a farmer's market.</p>
<p><em>What magic deal words work for you? Please share in comments &mdash; now!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7">
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<span class="field-content"><a href="http://www.wisebread.com/the-stuff-i-try-never-to-buy-new">The stuff I try never to buy new</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-never-buy-at-the-dollar-store-and-10-you-should">10 Things You Should Never Buy at the Dollar Store (and 10 You Should)</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/15-things-you-should-buy-at-costco">15 Things You Should Buy at Costco</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span>
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</div> </div><br/></br>Frugal LivingGeneral TipsbargainsdealsdiscountshagglingnegotiatingpriceWed, 10 Sep 2014 15:00:03 +0000Paul Michael1207217 at http://www.wisebread.comBest Money Tips: Negotiate Discounts and Freebies For Your Dream Weddinghttp://www.wisebread.com/best-money-tips-negotiate-discounts-and-freebies-for-your-dream-wedding
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<p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on negotiating discounts and freebies for your wedding, ways to go broke, and working out without a gym membership.</p>
<h2>Top 5 Articles</h2>
<p><a href="http://www.moneyunder30.com/how-to-negotiate-discounts-and-freebies-for-your-dream-wedding">How to Negotiate Discounts And Freebies for Your Dream Wedding</a> &mdash; To negotiate discounts and freebies for your wedding, try to flatter your friends into helping for free. [Money Under 30]</p>
<p><a href="http://brokegirlrich.com/?p=1446">20 Ways to Go Broke</a> &mdash; Not saving for a rainy day and hitting the movies frequently can cause you to go broke. [brokeGIRLrich]</p>
<p><a href="http://www.evolvingpf.com/2014/08/work-without-gym-membership/">How to Work Out Without a Gym Membership</a> &mdash; Working out to videos or getting outside and riding your bike are just a couple ways to work out without a gym membership. [Evolving PF]</p>
<p><a href="http://www.moneysavingenthusiast.com/2014/08/save-money-2/">8 Money Saving Tips for Wannabe Jedi Savers</a> &mdash; If you want to save money, cut back when eating out and freeze your meals. [Money Saving Enthusiast]</p>
<p><a href="http://moneysmartlife.com/choosing-career-path/">4 Questions to Ask Yourself When Choosing a Career Path</a> &mdash; When choosing a career path, ask yourself what you are good at. [Money Smart Life]</p>
<h2>Other Essential Reading</h2>
<p><a href="http://www.savvysugar.com/Cleaning-Supplies-Everyone-Needs-35487893">15 Cleaning Supplies Every Home Should Have</a> &mdash; Every home should have vinegar and hydrogen peroxide on hand. [PopSugar Smart Living]</p>
<p><a href="http://blog.relayrides.com/2014/08/6-occasions-when-youll-want-to-rent-a-car/">6 Occasions When You'll Want to Rent a Car</a> &mdash; Chances are you will want to rent a car if you are taking a road trip or having out of town guests. [The RelayRides Blog]</p>
<p><a href="http://parentingsquad.com/soups-that-make-great-family-meals">Soups That Make Great Family Meals</a> &mdash; Pumpkin and black bean soup makes a great family meal. [Parenting Squad]</p>
<p><a href="http://www.threethriftyguys.com/2014/08/3-worthwhile-benefits-to-paying-off-debt/">3 Worthwhile Benefits to Paying Off Debt</a> &mdash; Paying off debt means you have more freedom with your money. [Three Thrifty Guys]</p>
<p><a href="http://microblogger.com/using-facebook-groups/">Why You Should Be Using Facebook Groups</a> &mdash; Facebook groups tend to be better than forums and can lower your hosting fees. [Microblogger]</p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-negotiate-discounts-and-freebies-for-your-dream-wedding">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8">
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<span class="field-content"><a href="http://www.wisebread.com/10-costs-you-should-always-negotiate">10 Costs You Should Always Negotiate</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/20-freebies-for-college-students">20+ Freebies for College Students</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/what-to-buy-and-avoid-buying-in-december">What to Buy (and Avoid Buying) in December</a></span>
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</div> </div><br/></br>Frugal Livingbest money tipsdiscountsfreebiesnegotiateweddingWed, 20 Aug 2014 19:00:07 +0000Ashley Jacobs1189083 at http://www.wisebread.comAre You Getting All the Credit Card Rewards You've Earned?http://www.wisebread.com/are-you-getting-all-the-credit-card-rewards-youve-earned
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<p>Littered throughout the personal finance blogosphere are tips, tricks, and success stories on using rewards credit cards. If you play the rewards card game right, you can earn <a href="http://www.wisebread.com/get-20-percent-cashback-on-nearly-everything?ref=inarticle">some cool cash back</a>, <a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards?ref=inarticle">free flights</a>, or money for college. Provided you are paying off your balance each month and avoiding any fees or interest charges, a credit card rewards program is a fun game that the money nerds will always win. (See also: <a href="http://www.wisebread.com/6-awesome-credit-card-tricks-that-will-save-you-money?ref=seealso">Money-Saving Credit Card Tricks</a>)</p>
<p>Unfortunately, it's not as simple as that.</p>
<p>Not only do nearly <a href="http://colloquy.com/press_release_view.asp?xd=95">one-third of credit card rewards go unclaimed</a> every year &mdash; to the tune of $16 billion just left on the table &mdash; but the psychology and terms of credit card rewards mean that even the responsible card users who game the system end up spending more than they intend. After all, the banks wouldn't offer rewards cards if they didn't make money from them.</p>
<p>Here are the facts about rewards cards that never seem to make it into the cheery commercials starring celebrities.</p>
<h2>You Spend More When You Pay With Credit</h2>
<p>The mere fact that you <a href="http://www.wisebread.com/why-we-spend-more-when-we-pay-with-credit-cards">plan to pay with a credit card</a> is enough to make you spend more money. Whipping out your credit card simply does not hurt as much as counting out cash, meaning you are more likely to overindulge.</p>
<p>In addition, researchers have found that the <a href="http://www.wisebread.com/how-rewards-cards-make-money">prospect of earning rewards with a credit card</a> will cause your spending to go up &mdash; and <a href="http://www.chicagofed.org/digital_assets/publications/working_papers/2010/wp2010_19.pdf">the increase is more pronounced</a> in cardholders who would not otherwise use credit. This means that even responsible credit card holders are enticed into more spending (and debt!) because of the motivation of rewards.</p>
<p>As if that is not distressing enough, a study from 1986 (which has recently been tested and proven again) has shown that <a href="http://www.jstor.org/discover/10.2307/2489426?uid=3739664&amp;uid=2&amp;uid=4&amp;uid=3739256&amp;sid=21104426031757">just seeing a credit card logo is enough to increase spending</a>. In the original experiment, psychologist Richard Feinberg asked subjects to flip through images of items from mail order catalogs (with the prices removed) and write down how much they would be willing to pay for them. For half of the subjects, the table on which they were working was strewn with MasterCard paraphernalia, left lying there to suggest that the researcher simply had not cleaned up from a prior experiment. The other half of the subjects sat at an empty table. Those subjects sitting with a pile of MasterCard logos were willing to spend more on <em>every single item</em>, and they were willing to <a href="http://pocketmint.net/2012/10/the-credit-card-rewards-system-is-gaming-you/">spend up to three times as much</a> on some items.</p>
<p>Since that original experiment, further studies have shown that the logo effect works on &quot;associative conditioning.&quot; That is, those individuals who have positive associations with credit cards will spend more with plastic, while those who have negative associations will not.</p>
<p>In particular, those individuals who game the rewards programs will have very positive associations with credit cards.</p>
<p>That means the banks are seeing increased spending (and debt) from the &quot;responsible&quot; cardholders, as well as those who struggle with credit. All for the low, low price of a few rewards. (See also: <a href="http://www.wisebread.com/5-ways-to-earn-cashback-rewards-without-extra-spending?ref=seealso">How to Win Cash Back Rewards Without Extra Spending</a>)</p>
<h2>The Lake Wobegon Effect</h2>
<p>What is even more pernicious about the previous information is the fact that I would be willing to bet that nearly every Wise Bread reader with a rewards card is right now shaking his or her head and saying, &quot;It doesn't affect me!&quot;</p>
<p>That's because of a cognitive bias known as the <a href="http://en.wikipedia.org/wiki/Lake_Wobegon#The_Lake_Wobegon_effect">Lake Wobegon Effect</a>, named for the fictional town in Garrison Keillor's radio show, where &quot;all the children are above average.&quot;</p>
<p>Basically, every individual truly believes that he or she is better than most people at everything from driving to managing money. In the book <a href="http://www.amazon.com/gp/product/1592407366/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1592407366&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=G7GVUHHQPYCNKKID">You Are Not So Smart</a>, David McRaney writes, &quot;No one, it seems, believes he or she is part of the population contributing to the statistics generating averages.&quot;</p>
<p>Banks are counting on that illusion of superiority, since it snags rewards card customers who would otherwise pay with cash.</p>
<h2>You Can Only Opt Out of the Benefits, Not the Costs</h2>
<p>You might be thinking right now that it would make more sense to simply get rid of your rewards credit card and carry cash. That will certainly ensure that you are not affected by credit's destructive pull on your better impulses. However, that does not entirely solve the problem of the costs of rewards cards.</p>
<p>That's because even though banks earn a great deal of money through their rewards cards programs, they still find ways to pay for those rewards without having to eat into their profit. They do this by charging fees to merchants for accepting their cards.</p>
<p>According to Ron Lieber of the New York Times,</p>
<p style="margin-left: 40px;">Rewards-earning credit cards with the Visa and MasterCard logo <a href="http://www.nytimes.com/2010/01/09/your-money/credit-and-debit-cards/09money.html?_r=2&amp;pagewanted=all&amp;">often cost merchants more than plain-vanilla ones</a>, which hints at the card companies' laser-like focus on subsidizing rewards for the affluent customers who are still spending, even if they are paying their bills off each month and thus paying no interest.</p>
<p>To protect their own bottom line, merchants build the credit card fees they pay into higher prices for their goods &mdash; which customers pay whether they use cash or credit.</p>
<p>In fact, the National Retail Federation estimates that the fees their members pay to accept just Visa and MasterCard <a href="http://www.nytimes.com/2010/01/09/your-money/credit-and-debit-cards/09money.html?_r=2&amp;pagewanted=all&amp;">cost an average of $427 per American household</a> in 2008.&nbsp;</p>
<h2>Disappearing Rewards</h2>
<p>Finally, there is the problem of unclaimed rewards. As I mentioned above, nearly one-third of the $48 billion worth of value in rewards go unclaimed and unredeemed.</p>
<p>According to that study, &quot;[To] put [this] in perspective, the average household that is active in loyalty programs earns $622 a year, but does not redeem $205 of those rewards.&quot;</p>
<p>It's certainly understandable how this can happen. Unless you are inhumanly organized, it can be very easy to lose track of various rewards or forget to account for expiration dates and the like. (See also: <a href="http://www.wisebread.com/7-credit-card-reward-tips-many-people-dont-follow?ref=seealso">Credit Card Reward Tips Most People Don't Follow</a>)</p>
<p>The good news is that the average household is still raking in $417 worth of rewards ($622 - $205 = $417) each year. Sadly, you'll notice that's $10 less than the average cost per household because of merchant fees that I mentioned above.</p>
<p>So, even if you are successfully gaming the system, it's likely that you're still paying for it somehow.</p>
<h2>Using Rewards Cards Rationally</h2>
<p>The best way to avoid the psychological pitfalls of rewards credit cards is to use your card sparingly, pay off the balance every month, and schedule regular check-ins on your rewards, but otherwise <a href="http://www.wisebread.com/how-rewards-cards-make-money">ignore how your spending is tied to your rewards</a>. These things will help you to sidestep spending traps and the possibility of forgetting about your rewards.</p>
<p><em>Do you use a rewards credit card? Do you redeem all of your rewards and perks?</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/are-you-getting-all-the-credit-card-rewards-youve-earned">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9">
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<span class="field-content"><a href="http://www.wisebread.com/11-ways-your-credit-card-will-save-you-money-while-holiday-shopping">11 Ways Your Credit Card Will Save You Money While Holiday Shopping</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/travel-perks-you-didnt-know-your-credit-card-had">12 Travel Perks You Didn&#039;t Know Your Credit Card Had</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards">6 Ways My Family Scores Free Travel With Credit Cards</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/which-type-of-rewards-credit-card-is-right-for-you">Which Type of Rewards Credit Card is Right for You?</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/how-rewards-credit-cards-really-work">How Cash Rewards Credit Cards Really Work</a></span>
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</div> </div><br/></br>Credit Cardscredit card feesdiscountsrewardsrewards cardsFri, 15 Aug 2014 13:00:03 +0000Emily Guy Birken1184356 at http://www.wisebread.com14 Pricey Things You Shouldn't Buy (And What to Get Instead)http://www.wisebread.com/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead
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<p>Shakespeare said it best: &quot;Fast bind, fast find; a proverb never stale in thrifty mind.&quot;</p>
<p>Savvy shoppers know that living a thrifty lifestyle doesn't mean that you have to give up on the finer things of life. The trick is to find cheaper alternatives to expensive purchases. (See also: <a href="http://www.wisebread.com/how-to-have-an-above-average-life-for-below-average-prices?ref=seealso">How to Have an Above Average Life for Below Average Prices</a>)</p>
<p>Here are 14 thrifty ways to enjoy affordable alternatives to big ticket items.</p>
<h2>Food</h2>
<p>Eat like a king without looking like a jester.</p>
<h3>1. Caviar</h3>
<p>If Family Feud were to ask &quot;Name a food most people can't afford,&quot; caviar would be among the top two answers. A single ounce (28g) of Sevruga caviar can cost you between $108 to $125. If you try to buy one ounce of Osetra Caviar you have to be ready to shell out at least $200. Fortunately, U.S. produced caviar is <a href="http://abcnews.go.com/WNT/video/us-caviar-worldly-reputation-black-gold-19622396">rising in popularity</a>. Buy buying U.S. caviar, you can score a two ounce tin for about $28.</p>
<h3>2. Saffron</h3>
<p>The <a href="http://worldnews.nbcnews.com/_news/2013/02/07/16886009-saffron-gives-farmers-in-war-torn-afghanistan-a-taste-of-the-good-life">saffron business is booming</a>. With some farmers selling a kilo of saffron for up to $1,600, you shouldn't be surprised to be paying around $15 for a 0.02 oz. (0.5g) jar. The next time you need some saffron for a delicious paella, bouillabaisse, or risotto, turn to its close cousin: turmeric. You can get a 4 ounce bag (over 100 grams) of turmeric for about $4. To turn down turmeric's strong flavor a notch, use 1/8 teaspoon of turmeric plus 1/2 teaspoon of sweet Hungarian paprika to substitute for 1/4 teaspoon of ground saffron.</p>
<h3>3. Parmigiano-Reggiano Cheese</h3>
<p>You say Parmigiano-Reggiano, I say Pecorino Romano and Locatelli Pecorino Romano. The two latter cheeses are also Italian cheeses, made further down south near Rome. While a little bit saltier, they pack the same wonderful flavor that your Italian masterpieces need. Your wallet will thank you, too. Pecorino Romano and Locatelli Pecorino Romano go for about a $12 per round, which is $10 less per round than Parmigiano-Reggiano. This means you could buy almost two rounds for what you were paying before.</p>
<h3>4. Basmati Rice</h3>
<p>I love Indian cuisine, but if you look up any DIY videos on the web you quickly realize how expensive it can get to make a full Indian dinner. Top-notch cardamom, garam masala, basmati rice, and curry powder can put a serious dent in your dinner budget. The quickest way to save between $4 to $6 per 25-pound bag is to switch basmati rice for jasmine rice. This Thai rice pairs perfectly with any curry sauce.</p>
<h2>Transportation</h2>
<p>Getting around shouldn't be complicated and expensive. Not everybody needs a car, and even when you really do need one, you should consider consolidating into a single car. Make it less expensive to get around with these two cheap alternatives.</p>
<h3>5. Bicycle</h3>
<p>I have lived in several cities that I didn't need a car at all &mdash; all I needed was a bike. As much money as I was saving on gas, I still had to incur several expenses, such as keeping my bike secure, spending money on parking (yes, there is such a thing in congested downtown areas in which space comes at a premium), and replacing my bike whenever stolen or vandalized. Fold-up bikes are an awesome solution to do away with these three big expenses. Some people think that fold-up bikes are only available for $500. Actually, Citizen Bike has fold-up bikes <a href="http://www.citizenbike.com">starting at $169</a>.</p>
<h3>6. Car</h3>
<p>For the cities that biking or taking public transportation is out of the question, you gotta have a car. For college students, young working professionals, and single parents, the cost of acquiring a car is often out of the question. Fortunately for them, <a href="http://www.zipcar.com">ZipCar</a> provides a viable option to access a car whenever they need it. With memberships starting at $6 per month or $60 per year, you can access a car in 22 U.S. cities, including New York, San Francisco, and Austin, and three international cities. If you don't want to commit to a membership, Zip Car driving rates range from $8 to $10 per hour.</p>
<p>Other alternatives for owning a car, are <a href="http://www.lyft.com">Lyft</a> and <a href="http://uber.com">Uber</a>. When using Uber beware of <a href="http://www.sfbg.com/politics/2014/02/06/uber-neighborhood-pricing-surge-charges-marina-most">surge pricing</a>, which make the rate more expensive than usual during busy times.</p>
<h2>Tech</h2>
<p>Gadgets can make your life easier and help you make money. Here are ways to make four expensive tech purchases more accessible.</p>
<h3>7. Tablet</h3>
<p>Internet access is essential nowadays to get access to cheaper products and convenient services, such as mobile banking and email. Tablets are awesome tools because they combine the computing power of laptops and the portability of smartphones. Unfortunately, the <a href="http://www.apple.com/ipad/compare/">cheapest iPad models</a> start at $399 and alternatives such as the <a href="http://www.amazon.com/Kindle-Fire-Amazon-Tablet/dp/B0051VVOB2">original Kindle Fire</a> start at $119. And this doesn't include the cost of the Internet itself. If you're looking for a cheaper alternative, then consider <a href="http://ubislate.us">Datawind's UbiSlate</a>. This tablet starts at $37.99 for Wi-Fi-only and has a $99.99 offer that includes one year of <a href="http://ubislate.us/product.php?prodid=2">unlimited basic mobile Internet</a>.</p>
<h3>8. Adobe Acrobat Pro</h3>
<p>Business professionals around the world create and use PDF files to communicate effectively. An <a href="http://www.adobe.com/products/acrobatpro.html">Adobe Acrobat Pro license</a> costs $19.99 per month or close to $240 per year, over and over. There are several cheaper options out there (sorted in descending order of price):</p>
<ul>
<li><a href="http://www.nitropdf.com">Nitro Pro 9</a>: With just $140 you get access to a software just as powerful as Adobe Acrobat Pro.<br />
&nbsp;</li>
<li><a href="http://www.qoppa.com/pdfstudio/">Qoppa PDF Studio</a>: At $129 this software gives Nitro Pro 9 a good competition, especially if you are looking for reliable OCR conversion, page manipulation and markup.<br />
&nbsp;</li>
<li><a href="http://www.cutepdf.com/products/cutepdf/pro.asp">CutePDF Professional</a>: This user-friendly PDF editor allows you to markup your document in different ways. But with a price tag of $50, you shouldn't be surprised that you can do more than that. Still, it is suitable alternative for getting the job done.</li>
</ul>
<h3>9. Microsoft Office Suite</h3>
<p>Microsoft has jumped on the cloud bandwagon and now makes it popular productivity suite available as a subscription service over the web. This provides major savings for you.</p>
<p>For example, it costs $219.99 to buy an installation CD for Office Home 2013 to get Word, Excel, Powerpoint, OneNote and Outlook. Instead, with a <a href="http://office.microsoft.com/en-us/buy/">cloud-based subscription</a> (known as Office 365) you pay just $9.99 per month or $99.99 per year. Additionally, Office 365 is way cheaper than a CD license because it is always the latest version. If you buy a one-time CD, you have to pay again to upgrade to a newer version.</p>
<h3>10. Smartphones</h3>
<p>Next to tablets, smartphones are changing the way we communicate with each other. There is no need to spend more than you need to. Smartphones are no longer a novelty and there are several options beyond Apple and Samsung. Here are <a href="http://www.wisebread.com/4-powerful-smartphones-that-arent-overpriced">4 powerful smartphones that aren't overpriced</a>. There are plenty more available, too.</p>
<h2>Travel</h2>
<p>The journey of a thousand miles begins with a single step.</p>
<h3>11. Hotels</h3>
<p>There are several, cheaper alternatives:</p>
<ul>
<li><a href="http://www.couchsurfing.org/">Coachsurfing.org</a>: With listings in 100,000 cities worldwide and 7 million members, you can stay at virtually every city in the world at the lowest possible cost.<br />
&nbsp;</li>
<li>Hostels: The two largest listings of hostels are <a href="https://www.hihostels.com/">Hosteling International</a> and <a href="http://www.hostels.com/">Hostels.com</a>. Make sure that you meet the booking requirements (e.g. valid student ID) before paying for a stay.<br />
&nbsp;</li>
<li><a href="http://www.airbnb.com">Airbnb</a> gives you access to local renters in over 34,000 cities and 190 countries at prices below hotels.<br />
&nbsp;</li>
<li>If you're a fan of <a href="http://www.imdb.com/title/tt0457939/">The Holiday</a> with Kate Winslet and Cameron Diaz, then you might be into home swapping through networks, such as <a href="http://www.homelink.org/">HomeLink</a>, <a href="http://www.homeexchange.com/">HomeExchange</a>, and <a href="http://www.lovehomeswap.com/">Love Home Swap. </a></li>
</ul>
<h3>12. Cell Phone Abroad</h3>
<p>While international calls and roaming charges are incredibly expensive, there is no need to become completely unreachable just because you are traveling abroad. Here are two cheap alternatives:</p>
<ul>
<li>If you have access to Wi-Fi, while abroad:
<ul>
<li>Schedule calls and leverage Skype to do calls while on vacation (See also: <a href="http://www.wisebread.com/how-i-use-skype-to-keep-in-touch-with-friends-and-family?ref=seealso">How I Use Skype to Keep in Touch With Friends and Family</a>).<br />
&nbsp;</li>
<li>Contact your cell provider and figure out how to do calls through Wi-Fi only.<br />
&nbsp;</li>
</ul>
</li>
<li>If you don't want to take your own smartphone:
<ul>
<li>Buy a cheap pre-paid cell and use it to receive calls. Unlike the U.S., several countries don't charge minutes to receive calls.<br />
&nbsp;</li>
<li>Research if a cell phone rental would make sense.</li>
</ul>
</li>
</ul>
<h2>Entertainment</h2>
<p>Here is how to play on the cheap.</p>
<h3>13. Gym Membership</h3>
<p>Keeping in shape through a gym can run between $20 to $50 per month. That's about $240 to $600 per year! There are two ways to get a cheaper gym membership. First, check out if your local Costco sells gym memberships and compare it to your current rate. Even if you have no Costco card, you can <a href="http://www.wisebread.com/7-things-non-members-can-get-at-costco-including-cheap-eye-exams">window shop at Costco</a>. Second, find out if your health plan provides a fitness reimbursement program, such as <a href="http://uhctogether.com/uhcwellness/16181.html">United Healthcare</a> or <a href="https://www.harvardpilgrim.org/portal/page?_pageid=213,217714&amp;_dad=portal&amp;_schema=PORTAL">Harvard Pilgrim</a>, or discounted gym membership plan, such as <a href="http://www.activeandfit.com">Kaiser Permanente</a>. (See also: <a href="http://www.wisebread.com/8-legit-ways-to-use-the-gym-for-free%20?ref=seealso">8 Legit Ways to Use the Gym for Free</a>)</p>
<h3>14. Video Games</h3>
<p>You can be a couch potato and still rack up a heavy entertainment bill. Let's face it, game consoles have always been <a href="https://games.yahoo.com/photos/the-10-most-expensive-video-game-consoles-1382035547-slideshow/">crazy expensive</a>. Stop paying $60 (or more!) per game and take note of these cheaper alternatives:</p>
<ul>
<li>Download free games for your <a href="https://play.google.com/store/apps/category/GAME/collection/topselling_free">Android device</a>, <a href="http://www.amazon.com/s/?_encoding=UTF8&amp;%3Bqid=1404347925&amp;%3Brh=n%3A133140011%2Cn%3A154606011%2Cn%3A156279011%2Cn%3A156376011%2Ck%3Afree%20games&amp;%3Bsort=price-asc-rank&amp;camp=1789&amp;creative=390957&amp;keywords=free%20games&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;linkId=2QETN2WWDHOHO3XJ">Kindle device</a>, or <a href="https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewRoom?cc=us&amp;fcId=805001580&amp;id=25180&amp;mt=8&amp;urlDesc=/great-free-games">Apple device</a><br />
&nbsp;</li>
<li>Use the Netflix for video games: <a href="http://www.gamefly.com">Gamefly</a>. Remember to test drive the service with a first free month trial (See also: <a href="http://www.wisebread.com/buy-or-subscribe-how-to-pay-the-least-for-the-media-you-love-the-most?ref=seealso">Pay or Subscribe: How to Pay the Least for the Media You Love The Most</a>)<br />
&nbsp;</li>
<li>Rent a video game for $2 per day with <a href="http://www.redbox.com/games">Redbox</a> (sign up for their SMS and email alerts for promo codes for free and discounted rentals)<br />
&nbsp;</li>
<li>Buy old school PC games at heavily discounted prices at <a href="http://www.gog.com">Gog.com</a><br />
&nbsp;</li>
<li>Score old game consoles, such as NES and Sega, with dozens of games at dirt cheap prices on Amazon.com or Craiglist</li>
</ul>
<p><em>What is your favorite cheap alternative to an expensive purchase?</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10">
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</div> </div><br/></br>BudgetingLifestyleShoppingcheap alternativesdiscountsshoppingspendingFri, 01 Aug 2014 13:00:04 +0000Damian Davila1172367 at http://www.wisebread.com10 Surprising Ways to Save Money on Hotelshttp://www.wisebread.com/10-surprising-ways-to-save-money-on-hotels
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<p>In my travel experience, I've become quite good at finding a great hotel deal. This post is geared to those of you that would like to find the same deals like me and travel the world a little cheaper! (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Best Travel Rewards Credit Cards</a>)</p>
<h2>1. Refuse Maid Service</h2>
<p>This option is available at Starwood Hotels worldwide, and you can ask at other hotels if they offer it as well. If you refuse maid service at Starwood on multi-day stays, you can net either a $5 daily voucher or 500 daily points added to your Starwood account.</p>
<h2>2. Book International Travel on Non-US Websites</h2>
<p>One tactic I've used during my trips to Europe is to look at the foreign versions of websites that I frequent. Often, they have cheaper rates or free perks that aren't offered to U.S. residents. (See also: <a href="http://www.wisebread.com/3-ways-to-get-hotel-deals">3 Ways to Get Hotel Deals</a>)</p>
<h2>3. Check Corporate Rates</h2>
<p>This can be a great option if you work for a large firm. Often, corporate rates can save you hundreds of dollars on your room, especially during busy times. It's always good to check this rate against the &quot;best available&quot; rate, though, as I've seen the corporate rate higher than the best available before.</p>
<h2>4. Work at a Hostel</h2>
<p>If you're staying at hostels, make sure to form a good relationship with the people working there &mdash; you may get to work in exchange for room and board. I've done this before, and I can say it's a good way to see a city on a budget!</p>
<h2>5. &quot;Flash&quot; Sales</h2>
<p>Many times, hotel chains and hotel room wholesalers offer up &quot;flash&quot; sales with limited inventory, offering up rooms at a steep discount. Starwood has their weekly &quot;StarPicks,&quot; and IHG Hotel Group has their &quot;PointBreaks&quot; for award stays. Be sure to follow each hotel chain on Twitter and Facebook as a way to find out about these rare deals.</p>
<h2>6. Don't Choose</h2>
<p>My personal favorite website, Hotwire is known for selling you a hotel room in the city you want, in the area you want &mdash; but you don't get to find out ahead of time what the hotel is. The result? You save big money, sometimes 75% on the price of the hotel room. I use this in Las Vegas, where the hotels are easy to guess by their location and amenities.</p>
<p>The &quot;Name Your Own Price&quot; function on Priceline is similar to Hotwire in that you won't know the hotel until you finish payment, but this site differs in that you make a bid for a hotel. If you bid too low, your card will not be charged. The key with this site is to not overbid for your hotel &mdash; but if you do an Internet search for the area you're traveling to and &quot;Priceline,&quot; you can find many online forums online that can help you with your exact city that you are traveling to. One great place to start is <a href="http://www.betterbidding.com">BetterBidding.com</a>.</p>
<h2>7. Points</h2>
<p>Not really a surprise, but a reminder: loyalty points! By staying at the same hotel chain for all your hotel stays, you accrue points that can then be redeemed for a night anywhere on earth that they have a property!</p>
<h2>8. Credit Cards</h2>
<p>Want to accrue points faster than staying per-night with hotel chains? Get a <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards?ref=internal">co-branded hotel credit card</a>. With the <a target="_top" href="http://www.dpbolvw.net/click-2822544-12009442?sid=jackson-1158804">Citi&reg; Hilton HHonors&trade; Visa Signature&reg; Card</a><img width="1" height="1" border="0" src="http://www.lduhtrp.net/image-2822544-12009442" alt="" />, for example, you can get 40,000 bonus points for spending $1,000 within the first 4 months of membership. Considering that you can book a room for as little as few as 5,000 points, that bonus alone can save you a bundle on your next vacation.</p>
<h2>9. Status</h2>
<p>Another way to save some money at hotels is by using a frequent guest status. You can get this by staying at hotels a lot, or by getting a hotel credit card. For instance, having the <a target="_top" href="http://www.dpbolvw.net/click-2822544-12009429?sid=jackson-1158804">11.18 NEW Citi&reg; Hilton HHonors&trade; Reserve Card</a><img width="1" height="1" border="0" src="http://www.ftjcfx.com/image-2822544-12009429" alt="" /> will automatically get you Hilton HHonors Gold status, which gets you large room upgrades and free breakfast at Hiltons worldwide. Other chains, like Marriott and IHG hotels, also offer mid-tier status with their credit card products.</p>
<h2>10. Negotiate!</h2>
<p>Sometimes, if you're a good talker, you can pit hotels against each other. If you see a hotel in the same town that you would like to stay at, see if they'll match the cheaper rate of their competing hotel. The answer is always &quot;no&quot; if you don't ask!</p>
<p><em>How have you found deals on hotels? Please share in comments!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mark-jackson">Mark Jackson</a> of <a href="http://www.wisebread.com/10-surprising-ways-to-save-money-on-hotels">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11">
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</div> </div><br/></br>Credit CardsTravelcredit cardsdiscountshotelslodgingWed, 30 Jul 2014 21:00:06 +0000Mark Jackson1158804 at http://www.wisebread.com40 Restaurants That Offer Senior Discountshttp://www.wisebread.com/40-restaurants-that-offer-senior-discounts
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<p>As we age, there are many benefits to look forward to, including retirement, time for travel and hobbies, wisdom, and the joy of being a grandparent. Sometimes, however, retirement means a decrease in income and spending. Many businesses recognize this fact and offer discounts to senior citizens. (See also: <a href="http://www.wisebread.com/big-list-of-senior-discounts?ref=seealso">Big List of Senior Discounts</a>)</p>
<p>Below is a list of 40 restaurants that may offer customers (some starting at age 55) a discount for their business.</p>
<h2>Fast Food</h2>
<p>Many fast food restaurants will offer a discount, which ranges from 5%-15% as well as a reduced price coffee or soft drink. Discounts may vary from location to location, be sure to ask before you order.</p>
<h3>Arby's</h3>
<p>10% discount for those over 55.</p>
<h3>Burger King</h3>
<p>10% discount for those 60 and older.</p>
<h3>Captain D's</h3>
<p>Discount on select days (usually Sundays and Wednesdays) for seniors 62 and older.</p>
<h3>Carl's Jr.</h3>
<p>10% discount on meal or drink.</p>
<h3>Chick-fil-A</h3>
<p>Free small drink or coffee plus a 10% discount for those 55 and older.</p>
<h3>Del Taco</h3>
<p>10% discount or a free drink for customers 55 and over.</p>
<h3>Hardees</h3>
<p>Small drinks are 33 cents with the purchase of a meal for those 65 and older.</p>
<h3>Jack in the Box</h3>
<p>Seniors 55 and older can save 20%.</p>
<h3>Kentucky Fried Chicken</h3>
<p>Free small drink with the purchase of a meal for those 55 and older.</p>
<h3>Long John Silvers</h3>
<p>Discounts vary by location for those 55 and older.</p>
<h3>McDonald's</h3>
<p>Discounted coffee and soft drink for customers over 55.</p>
<h3>Popeye's</h3>
<p>10% discount or a free drink for customers 55 and older.</p>
<h3>Sonic</h3>
<p>10% discount or a free drink for seniors 55 and over.</p>
<h3>Subway</h3>
<p>10% discount.</p>
<h3>Taco Bell</h3>
<p>A free drink for seniors or 5% off to seniors 65 and older.</p>
<h3>Wendy's</h3>
<p>10% discount on your purchase if you are over 55.</p>
<h3>Whataburger</h3>
<p>Offers a free drink or a 10% discount.</p>
<h3>White Castle</h3>
<p>10% discounts for customers 62 and over.</p>
<h2>Casual Dining</h2>
<p>Whether you are sitting down for breakfast, lunch, or dinner, these restaurants offer you discounts on your meal. Some offer a senior menu (which may have smaller portions as well as a lower price), but be sure to check on the value, if you are a big eater or want to take leftovers home, the regular menu may be a better value for your dollar.</p>
<h3>Applebee's</h3>
<p>10%-15% off on your meal if you are 55 or older.</p>
<h3>Bob Evans</h3>
<p>Senior Menu for those 55 and older.</p>
<h3>Boston Market</h3>
<p>10% discount for seniors 65 and older.</p>
<h3>Chili's Grill and Bar</h3>
<p>10% discount for seniors 55 and older.</p>
<h3>CiCi's Pizza</h3>
<p>Seniors 60 and over receive a 10% discount.</p>
<h3>Culver's</h3>
<p>Customers 60 and older receive a 10% discount.</p>
<h3>Denny's</h3>
<p>Senior Menu for 55 and older, AARP members receive larger discounts.</p>
<h3>Golden Corral</h3>
<p>10% off to customers over 60.</p>
<h3>Hometown Buffet/Ryan's/Country Buffet and Others</h3>
<p>Sign up for a discount card and receive deals and coupons all year long.</p>
<h3>IHOP</h3>
<p>Senior Menu for those 55 and older.</p>
<h3>O'Charley's Restaurant</h3>
<p>10% off for customers 60 and over.</p>
<h3>Papa John's</h3>
<p>Save 25% if you are over 55 or an AARP member when you order online using the promo code &quot;AARP25&quot;.</p>
<h3>Steak and Shake</h3>
<p>Customers 55 and over can receive a 10% discount on Mondays and Tuesdays but locations vary, call ahead.</p>
<h3>Waffle House</h3>
<p>10% off your meal on Mondays for customers 60 and older.</p>
<h2>Desserts and Treats</h2>
<p>When you need a sweet treat or a great dessert, you can continue to score discounts at these great restaurants.</p>
<h3>Ben &amp; Jerry's</h3>
<p>10% discount for seniors 60 and over.</p>
<h3>Dairy Queen</h3>
<p>10% discount or free drink for those 55 and older.</p>
<h3>Dunkin Donuts</h3>
<p>Free donut with the purchase of a coffee.</p>
<h3>Friendly's</h3>
<p>Discounts are available for those 60 and older, inquire at each location for specifics.</p>
<h3>Krispy Kreme</h3>
<p>10% off for those customers 55 and older.</p>
<h3>Mrs. Fields</h3>
<p>10% discount for customers 60 and older.</p>
<h3>TCBY</h3>
<p>10% discount for customers 55 and older,</p>
<h2>Additional Discounts and Tips</h2>
<p>Ask at every restaurant you visit. Even those not on this and restaurants local to you may offer discounts. Also, if you happen to be an AARP member, you can <a href="http://discounts.aarp.org/dining/index/uSource/HCTN">save even more</a> by showing your membership card. They also offer discounts for buying gift cards to restaurants through a partnership with <a href="http://www.anrdoezrs.net/click-2822544-5674461">Restaurant.com</a>. If you are a member of AARP, it might be worth checking out those deals before dining out.</p>
<p>Many of these discounts could vary by location, it is best to give them a call before heading out and expecting a discount. Be sure to bring your identification to show your age, in case the restaurant requests to see proof before offering a discount.</p>
<p>For even more discounts available to seniors, check out <a href="http://www.seniordiscounts.com/">SeniorDiscounts.com</a> or <a href="http://www.sciddy.com/">Sciddy.com</a>.</p>
<p><em>What are your favorite senior discounts? Please share in comments.</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/40-restaurants-that-offer-senior-discounts">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12">
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<span class="field-content"><a href="http://www.wisebread.com/12-new-ways-restaurants-trick-you-to-spend-more">12 New Ways Restaurants Trick You to Spend More</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/the-7-best-cities-for-frugal-foodies">The 7 Best Cities for Frugal Foodies</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/are-you-eating-the-10-most-over-priced-restaurant-menu-items">Are You Eating the 10 Most Over-Priced Restaurant Menu Items?</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/7-tricks-for-enjoying-fine-dining-on-a-budget">7 Tricks for Enjoying Fine Dining on a Budget</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/6-secrets-restaurants-dont-want-you-to-know">6 Secrets Restaurants Don&#039;t Want You to Know</a></span>
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</div> </div><br/></br>Food and DrinkShoppingdining outdiscountsrestaurantssenior discountsThu, 03 Jul 2014 17:00:04 +0000Linsey Knerl1153214 at http://www.wisebread.comHow to Save $26,000 in 5 Years or Lesshttp://www.wisebread.com/how-to-save-26000-in-5-years-or-less
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<p>A penny saved is a penny that can be earning investment returns in a <a href="http://www.wisebread.com/3-steps-to-getting-started-in-the-stock-market-with-index-funds">well-diversified investment portfolio</a>. At least, that's what I think one of the late, great founders of our nation once said.</p>
<p>It's hard to find ways to put money aside, but here are a few creative options that are often overlooked. Check out the strategies below, and you could have $26,000 (or more!) stashed away in just five years.</p>
<h2>Shop Homeowner and Auto Policies</h2>
<p>It's easy to become complacent about recurring-but-necessary bills like home and auto insurance policies. &quot;Most people sign up with a carrier and stay with them for 10 to 20 years,&quot; says Patricia Nelson, founder of the community outreach program Wise Women Workshop. &quot;Today though, there are no savings for loyalty. When a client switches carriers I see them save, on average, $600 to $800 per year.&quot;</p>
<p><strong>Annual Savings</strong>: Up to $800</p>
<h2>Negotiate With Cell Phone and Utility Carriers</h2>
<p>It's a little known fact that <a href="http://bgr.com/2014/01/29/att-bill-discount-how-to-guide-shrink-bill/">cell phone rates are negotiable</a>, but even less known is that you can also haggle with your utility providers. &quot;Most of these companies will figure out a way to knock $20, $30, $40 per month off of your bill because they want to keep your business,&quot; says Nelson. &quot;But, they're not going to call you and tell you ways to save money on your existing services with them.&quot; If you have success with just one utility bill and your cell phone provider, you could cut about $60 off your monthly expenses.</p>
<p><strong>Annual Savings</strong>: $720 or more</p>
<h2>Forego Cable TV</h2>
<p>Most people think that the only way to get network TV stations at home is to pay for at least a basic cable TV package. That's just not true. Similar to the analog days, you can put a digital antenna on your roof and watch network TV for free (it's 100% legit and the shows come through in HD quality). (See also: <a href="http://www.wisebread.com/how-everyone-can-cut-cable-and-still-watch-what-they-love-even-sportsfans?ref=seealso">How Everyone Can Cut Cable and Still Watch What They Love</a>)</p>
<p>Expanded cable TV packages average between $60 and $75 per month, and <a href="http://www.fcc.gov/document/report-average-rates-cable-programming-service-and-equipment-1">costs are on the rise</a>. If you can't make it without your shows, there are plenty of cheaper options like Netflix or Hulu Plus, and you can play them on your TV thanks to all of the streaming boxes now available. In my house we gave up cable TV 10 years ago (except for the occasional, infrequently used introductory package after moving), and I was surprised to find I barely missed it. (Cable Internet, though? Like bread or water. Must have.)</p>
<p><strong>Annual Savings</strong>: Up to $900</p>
<h2>Shop Around for Prescription Drugs</h2>
<p>Surprising but true, the cost of prescription drugs are not fixed. &quot;You could be purchasing your medication at the wrong store,&quot; says Nelson, who adds that Walmart offers a list of over <a href="http://www.walmart.com/cp/4-Prescriptions/1078664">1100 drugs at $4 each</a> for a month's supply, substantially lower than most co-pays. &quot;If you're taking two medications and paying a $15 co-pay for each,&quot; she says, &quot;you could be saving $22 per month.&quot; No prescription plan required.</p>
<p><strong>Annual Savings</strong>: $264 (more or less, depending on your prescription needs)</p>
<h2>Bank Your Annual Raise</h2>
<p>The <a href="http://www.wisebread.com/5-money-lessons-from-millionaires">millionnaires next door</a>are notorious for maintaining a consistent lifestyle, despite rising incomes over the years. The average raise is expected to be 3% this year. If you make $50,000 now, that's a $1500 increase. Why not add that extra cash to your bank account instead of using it to trade up to a grander lifestyle? (See also: <a href="http://www.wisebread.com/5-new-income-streams-anyone-can-create?ref=seealso">5 New Income Streams Anyone Can Create</a>)</p>
<p><strong>Annual Savings</strong>: $1500 on average</p>
<h2>Brown Bag It</h2>
<p>Bankrate.com estimates you can <a href="http://www.bankrate.com/calculators/savings/bring-lunch-savings-calculator.aspx">save $70 per month</a> by packing your own lunch (more if you live in a high-cost area).</p>
<p><strong>Annual Savings</strong>: $840 (or more)</p>
<h2>Cook Dinner at Home One Extra Night a Month</h2>
<p>A recent study estimated the <a href="http://retailfeedback.com/component/k2/item/6-home-cooked-meals.html">cost of a home cooked meal</a> (per person) is $5.93 on average, compared to an average $12.28 to eat out. Skip family pizza night just <em>once</em> per month for your family of four, and the savings add up.</p>
<p><strong>Annual Savings</strong>: $304.80</p>
<h2>(BIG) BONUS: Ditch the Car</h2>
<p>According to AAA, the <a href="http://newsroom.aaa.com/2014/05/owning-and-operating-your-vehicle-just-got-a-little-cheaper-aaas-2014-your-driving-costs-study/%20">average annual cost of owning a car</a> is $8,876 per year. If you live in a walkable area or in a city with a good transportation system, you could forego the cost. Of course, not everyone lives in a walkable area or can get by without their own transportation, so this is a bonus option.</p>
<p>Add up the savings (minus the car) to see how quickly a few small changes can add up.</p>
<p><img width="605" height="360" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5123/Alaina%20T%20Saving%20Chart.jpg" /></p>
<p>Over five years, all that savings adds up to $26,644 ($71,024 if you're lucky enough to not need a car!). The results could get even better if you invest the money in a well-diversified investment portfolio.</p>
<ul>
<li>At a 3% average annual return over five years: $29,140.06.</li>
<li>At a 5% average annual return over five years: $30,917.23.</li>
<li>At an 8% average annual return over five years: $33,762.90.</li>
</ul>
<p>(Please note that investment returns cannot be predicted, and you should talk to an investment professional before selecting your investment portfolio.)</p>
<p>Of course, the key to this and any other cost cutting plan is to remember to <em>bank the savings</em> you find. Otherwise, you're just shuffling money from one spending category to another, and not actually saving and getting ahead.</p>
<p><em>What is the most effective way you've found to cut costs and boost wealth? Let us know in the comments!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/alaina-tweddale">Alaina Tweddale</a> of <a href="http://www.wisebread.com/how-to-save-26000-in-5-years-or-less">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13">
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<span class="field-content"><a href="http://www.wisebread.com/12-smart-ways-to-turn-500-into-a-better-future">12 Smart Ways to Turn $500 Into a Better Future</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/5-inspiring-people-who-each-paid-off-over-100000-in-debt">5 Inspiring People Who Each Paid Off Over $100,000 in Debt</a></span>
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<span class="field-content"><a href="http://www.wisebread.com/5-dumb-401k-mistakes-smart-people-make">5 Dumb 401(k) Mistakes Smart People Make</a></span>
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</div> </div><br/></br>BudgetingInvestmentbargainsdiscountsinvestingsavingsavingsshoppingMon, 16 Jun 2014 09:00:04 +0000Alaina Tweddale1142780 at http://www.wisebread.com5 Surprising Ways to Get Dealshttp://www.wisebread.com/5-surprising-ways-to-get-deals
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<p>All of our usual shopping haunts have data on our browsing and purchasing habits. While that can be disconcerting, we can use it to our advantage. Our shopping behaviors can reward us with cool stuff like coupon codes, discounts, free shipping, and bonus gifts. Here are five surprising ways to game the system and get deals. (See also: <a href="http://www.wisebread.com/50-best-deals-coupons-sites?ref=seealso">50 Best Coupon code Sites</a>)</p>
<h2>1. Abandon Your Shopping Cart</h2>
<p>We have all done it. We shop around for items and add some to the cart, then something distracts us and we move on, forgetting to purchase the cart. Online retailers notice. Their job is to make sure we buy what's in the cart.</p>
<p>Simply shop, leave items in your cart, and move on (you'll need to log in to your account so they know how to reach you). Wait a day or two. Check your email, and you might see an email from the retailer with a discount coupon or an offer for free shipping! Sites that are known to do this include <a href="http://www.zappos.com">Zappos</a>, <a href="http://www.bestbuy.com">Best Buy</a>, and <a href="http://www.homedepot.com">Home Depot</a>. Of course, some retailers just send annoying reminders that you left something behind, but ignore those.</p>
<h2>2. Cancel Your Service</h2>
<p>How many times have you been on the phone with your cable or Internet provider, threatening to cancel, when they then offer you a small discount to keep your business? Well, the discounts get better <em>after</em> you've already cancelled.</p>
<p>Your mileage may vary with <a href="http://lifehacker.com/5864343/the-best-services-that-give-you-discounts-for-cancelling">many of these</a>, but in general, you will come out ahead. Try cancelling your <a href="https://www.netflix.com">Netflix</a>, and a few days later, they will offer you a lower monthly fee than what you were paying. <a href="http://www.amazon.com/gp/product/B00DBYBNEE/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00DBYBNEE&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=MFM66VVKL4DTIQQP">Amazon Prime</a> is so determined to keep you that if you cancel, they might offer you a new membership for about half off.</p>
<p>Almost every cable company will offer you a very special deal for joining their service again, to keep you from signing up with the competition. Try out this tactic out with a few services that you can do without for a couple weeks, like entertainment services.</p>
<h2>3. Price Matching</h2>
<p>It still works! Back when we all still shopped at stores, all the big box chains touted their price matching policy: Show the <a href="http://www.target.com">Target</a> circular at <a href="http://www.walmart.com">Walmart</a>, and they'll beat their price by one cent on your DVD Player. Gone are the days of advertising that tactic, but you can still take advantage of the deal. (See also: <a href="http://www.wisebread.com/dont-pay-more-guide-to-price-matching-and-cheat-sheet?ref=seealso">Price Matching Cheat Sheet</a>)</p>
<p>Ask your clerk if they price match, and if they don't know, go to customer service desk and ask for a manager. Almost every brick and mortar store has an unwritten price matching rule, and they prefer you not know about it.</p>
<h2>4. Reddit Deals</h2>
<p>It's true: There's a subreddit for everything! Reddit is a huge online community whose generally savvy and persnickety users are good at weeding out bad or useless deals. This leads to a really good selection of deals from all around the web, many of which are surprising and new.</p>
<p>Check out <a href="http://www.reddit.com/r/deals">Reddit Deals</a> for the heads up on all kind of discounts, deals, and temporary price cuts for things like video games, tech gear, clothes, subscription services, and more. Then, pay it forward and be sure to share the information on deals you might discover with the Reddit community, to get more karma points.</p>
<h2>5. Credit Cards</h2>
<p>Lastly, and possibly most surprisingly: <a href="http://www.wisebread.com/credit-cards">credit cards</a>. You may not have noticed, but odds are your credit card issuer provides some really neat deals on everyday expenses and good <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">cash back rewards</a>. Some cards&nbsp;offer cash back if you shop through their online portal.&nbsp;In addition, some cards offer other services that help you find deals, like price protection (refunding you the difference of the price if it falls within 30 days of your purchase). (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso">13 Awesome Credit Card Perks You Didn't Know About</a>)</p>
<p><em>Where are you finding discounts and deals these days? Please share in comments!</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-meadows">Amanda Meadows</a> of <a href="http://www.wisebread.com/5-surprising-ways-to-get-deals">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14">
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<span class="field-content"><a href="http://www.wisebread.com/5-things-you-shouldnt-order-on-amazon">5 Things You Shouldn&#039;t Order on Amazon</a></span>
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</div> </div><br/></br>ShoppingbargainsdealsdiscountsWed, 04 Jun 2014 17:00:28 +0000Amanda Meadows1141754 at http://www.wisebread.com7 Secrets to Scoring the Best Price When Buying on eBayhttp://www.wisebread.com/7-secrets-to-scoring-the-best-price-when-buying-on-ebay
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<p>Everybody loves a good online bargain, and eBay is one of those places where you can find great deals...or you could be totally ripped off. Here are the secrets to getting the best price on eBay. (See also: <a href="http://www.wisebread.com/5-things-you-can-resell-on-ebay-that-make-the-most-money?ref=seealso">5 Things You Can Resell on eBay That Still Make Money</a>)</p>
<h2>1. Search for Misspelled Items</h2>
<p>You know what you want: a Tiffany's silver bracelet. Like everybody else you're going to type &quot;tiffany silver bracelet&quot; in the search box and start browsing sellers. The problem with this approach is that you may get in bidding wars with other people because you're looking where everybody is looking.</p>
<p>Instead, start your search with misspelled variations from your desired item. For example, &quot;tifany silver bracelet,&quot; &quot;tifanny silver bracelet,&quot; or &quot;tiffanny silver bracelet.&quot; If you are stumped for misspelling ideas, use an <a href="http://fatfingers.com">eBay typo search generator</a>. Focusing on misspelled items is like hiding your item at a store before the sale &mdash; there will be fewer people finding it or entering bids on it.</p>
<h2>2. Search for Items at Night</h2>
<p>Another way to minimize your competition is to do your shopping at night. eBay is a site available around the world, so while it may still be a couple of hours before bedtime for you, others may be sound asleep.</p>
<p>Take advantage of your time zone and filter those items by &quot;ending soonest.&quot; You may be able to get away with closing on bids while the competition is sleeping. A variation of this technique is to do searches during business hours. Just don't let the boss catch you.</p>
<h2>3. Buy From Sellers With 20-49 Ratings</h2>
<p>The more stars a seller has, the better. However, even those amazing sellers had to start somewhere. As an eBay seller with over 210 ratings, I can tell you that eBay does a good job at continuously motivating us to get to 50 stars. Any seller that has between <a href="http://pages.ebay.com/help/feedback/scores-reputation.html">10 to 49 stars</a> has a yellow star. Once a seller reaches 50 ratings, the star changes to blue.</p>
<p>While this may sound trivial, it is a big deal for a seller. &quot;Going blue&quot; is a big boost for position of items on search results and a major way to provide confidence to buyers. Sellers with 20 to 49 ratings work harder for buyer business and are more willing to accommodate your requests, such as asking for a discount or negotiating shipping charges. Just make sure to be polite when contacting them. Nobody likes a rude customer.</p>
<p>The longer that you stick with an eBay seller on the journey to the 50 ratings marks, the more perks the seller may provide you.</p>
<h2>4. Check Price at Amazon</h2>
<p>It is not unusual for eBay sellers to either sell at Amazon or keep a close eye of similar items at Amazon. If you are able to find the exact same item on Amazon, contact the buyer, provide the URL, and ask if the seller would be willing to match the price. Just make sure that you are comparing &quot;apples to apples,&quot; and that the total price, including shipping, is indeed lower.</p>
<p>This strategy is a good one because you are showing the seller that you're ready to buy. Few sellers can resist closing on a sale. After all, a bird in hand is worth two in the bush. Even if the seller cannot match the price, they may be able to knock off a couple dollars off.</p>
<h2>5. Negotiate Shipping</h2>
<p>Lowering shipping charges is easier than actual price. There are two main ways to do it. First, when planning to buy several items from a buyer, ask about discounted shipping for multiple items. This is a surefire way to bring costs down.</p>
<p>Second, if you are willing to wait longer, then ask for cheaper shipping alternatives. For example, when buying books, CDs, VHS tapes, DVDs, or other forms of media accepted by USPS, the buyer could use USPS Media Mail. When buying big, yet very light items, a seller could use Parcel Select Lightweight.</p>
<p>Unless you have dealt with the seller in the past, it is not recommended that you accept shipping without tracking. While you could potentially save even more without it, the lack of tracking could cause headaches for both parties if things don't go as planned.</p>
<h2>6. Don't Forget About Your Coupon Codes</h2>
<p>You'd be surprised at the number of buyers that forget to use their <a href="http://pages.ebay.com/help/buy/ebay-bucks.html">eBay Bucks</a>. Because the eBay Bucks coupon codes are issued every quarter, people often forget about them. On top of that, sometimes the codes are not automatically applied to purchases.</p>
<p>Before completing a purchase, check if you have an available code from the eBay Bucks section of &quot;My eBay,&quot; copy it, and enter it in the &quot;Coupons, gift cards or certificates&quot; promotional box at the bottom of your checkout page.</p>
<p>Another place to check for additional promo codes are the &quot;From eBay&quot; message inbox and the drop down menu labeled &quot;My eBay&quot; at the upper right corner when viewing the site on your desktop.</p>
<h2>7. Read Return Policies</h2>
<p>You pay for what you get. So, don't pay for a headache! Some sellers might be willing to negotiate with you when dealing with used items, but they may be quick to say &quot;no returns, no exceptions.&quot; Sometimes they may not say anything at all and assume that you have read their policies listed on the product page.</p>
<p>Before clicking on the pay button, read the seller's policies in detail. If you're not comfortable with what you just read (e.g. &quot;buyer pays for shipping in case of return or exchange,&quot; &quot;there is a 20% restocking fee,&quot; &quot;all sales final&quot;), then it may not be worth your time to deal with this seller at all. Remember that the hidden cost of any transaction is the opportunity cost, and in the case of an eBay purchase it is the cost of return, exchange, or refund. (See also: <a href="http://www.wisebread.com/the-psychology-of-money-how-a-t-shirt-equals-a-taco?ref=seealso">How a T-Shirt Equals a Taco</a>)</p>
<p><em>What are other ways to get the best price on eBay?</em></p>
<br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-secrets-to-scoring-the-best-price-when-buying-on-ebay">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15">
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</div> </div><br/></br>Consumer AffairsShoppingdealsdiscountseBaynegotiatingshoppingThu, 29 May 2014 08:12:17 +0000Damian Davila1140876 at http://www.wisebread.com